Best of Luck,
Century 21 Tenace
If the answer is no to the first question and yes to the second... then you will be able to obtain home financing. And, you can get started now by obtaining a free, no obligation, prequalification http://www.peninsula-homes.com/request-assistance
One of my preferred lenders at Towne Mortgage gave me a sheet with exactly that information.
I am not able to attach it here, but I'll be glad to send it to you. Please send me an email to Ronald@HamptonRoadsTeam.com for this detailed sheet.