Your best plan of attack is to sit down with a Certified Mortgage Planner, or mortgage professional who can give you a detailed analysis of your situation.

Everyone has a different financial profile and your question cannot be answered on this online forum due to the fact that your debt to income ratios and credit report need to be analyzed by a professional who can prepare you for submitting offers.

If I can be of assistance offering a referral, please let me know.

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Tha answer is it depends on your credit score. You sound like a candidate, equity on primary home and reserves. Now, the variables here are your score and income/expenses. I think you should give it a try. Look for a Home Mortgage Consultant and get pre approved.

Best.