Why not ask a lender or two with whom you are comfortable for a free mortgage loan pre-approval? They'll answer any and all questions. Feel free to contact me if you wish!
You should speak with a mortgage lender or broker and see if you can get pre-approved for a mortgage.
I work as a mortgage banker and am based here in Mass. I have loan programs that go down to a 620 credit score and i would be happy to pre-approve you. Feel free to call or email me