The best thing you can do is apply for a mortgage to find out which programs you qualify for. In addition, if you end up not qualifying right now we at least have 6 months or so to get you to the point were you do qualify.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
There are many factors to getting qualified for a loan, the credit score alone is not enough and also there are a number of different programs that you can apply for depending on your situation.
Please send me your personal email and I will forward my lender's info to you.
He is the best I've ever worked with and knows all the programs in TX.
He is always available to answer questions and if there is something he can't do he will refer you to the right person.
VOX Real Estate
You might want to contact your tax assessor's office....generally a commercial zoning approval will add to the value of the home. A residential use may (or may not) ba allowed for this property, the tax assessor would know for sure. Personally I would not want to change the zoning, rather see if a residential use is permissable for the property....hope this helps.... more