To qualify for a mortgage, you must meet some minium requirements that are not going to change - good credit for example is a must. A 10% down payment means it's a FHA loan. You can try walking into local banks and especially into a local savings & loan if your credit is excellent. However, in the current environment banks are sticking to their rules stringently.
This is the best answer anyone can give you, I believe, withoiut knowing the amount of your loan.