Based on what the mortgage representative I work with most for over 23 years Dana is correct,. I personally suggest you speak with a mortgage representative to see where you are. He or she can answer your question best with resources to get you all the mortgage programs that best fit your needs. Feel free to call on George Rithianos from Franklin American his number is (609) 290-1342 or Bob Faust of Superior Mortgage at (609) 294-0006. Good luck to you.