HI Alice, I would love to help you and work with several helpful, knowledgeable lenders who could assist you with this. Please feel free to give me a call and I"ll be glad to try and answer your questions. I"m a local Kansas City Realtor.
First time buyer does not mean you have never bought a house in your life. I really hate the term First Time Buyer because it really makes you think you must never have bought a house before. What it means is that you have not purchased a house in the last few years. You just need to speak with a lender or mortgage broker and explain the situation, you can call them and ask that.