As long as you have sufficient verifiable income to support the mortgage payments it sounds like you will be OK. However you need to speak with a mortgage professional to make sure that there is nothing preventing you from getting a mortgage. Don't assume that just becasue you have a 650 credit score, 3.5% down and a job that you are in good shape.
Also there may be cheaqper options available to you like a USDA loan
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
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NMLS ID 143960