You need to talk with a mortgage banker or broker, provide them with all the requested information and then take time to sit down and go over your options. If you would like recomendadtions please drop me a line,
step 1: Get Qualified
step 2: Lock in your rate (if possible)
step 3: get a pre-approval letter
step 4: communicate the property and plan to lender
step 5: make an offer based on the lender's timeframe (closing date and contingencies)
415-666-2540 (Direct Fax)
I look forward to getting an name and email address.