Well, the situation you describe puts you on the border-line for loan qualifiation. There are so many loan products and everything is based upon more specific financial information, you need to address this with a great lender. If you want referrals of my go-to lenders, I will be happy to provide them; otherwise you should have a long discussion with the lender of your choice.
When you reach the step of choosing a knowledgable and skilled realtor, please contact me @ 626-808-8430.
Contact me for assistance.