I would be happy to discuss your situation further at your convenience.
Those are all valid questions. You really need to contact a mortgage lender that you trust to help you find the right type of loan. Most Realtor have a list of loan officers they can refer you to if you don't have one of your own at this time. If you're not working with a Realtor and need some suggestions, contact me and I'll be glad to refer you to a list of loan officers that I know. If you have a Credit Union or bank, that's usually a good place to start.