***** What you want to be very careful about is committing to an owner 'Option to Buy' with a lease and balloon payment that, when the time comes, you can not qualify for. *****
Only a financial officer can give you solid answers, and a direction to move, which will give you peace of mind. Whether with you bank or a local bank in the area you are moving, ask questions.
Mark Don McInnes
My website is http://www.rfranz.remax.com if I can be of further assistance.
You have several options. I would explore an "Owner Carry Option" where you can be evaluated on your payment history and character. Your credit scores are good, so a loan is an option. If you would like a recommendation for lender, I would be happy to provide one or two.
Sherry of TeamWood RE