Fit65, Royal Ranch is a great Fulton neighborhood.
All you need to do is talk to a mortgage professional about your situation. A good mortgage professional will be willing to work with you in order to fix anything that you need in order to obtain financing.
Mortgage professionals work during normal banking market hours 9 to 5 Monday through Friday. I would try calling Mark Taylor's office on Monday 602-361-0707.
Another option is to keep saving cash and pay for a home in 100% cash in a few years. Then you would have no mortgage :)