You need to speak with the right mortgage lender, who can go over your options, some of which may be down the road. Don't be afraid of rejection, ask a lot of questions, and ask for help in achieving your home purchase goals. I can recommend several, but you only need one: Sean O'Donnell, Patriot Bank Mortgage, Senior Loan Officer, 210-860-7783. He is phenomenal, honest, knowledgeable and should be helpful. Best of luck to you and your family.