Good Morning Des,
You have a lot of good things going for you, but there is more information required to give an accurate answer to your question. We are a lender located in KC, and are an FHA, VA, USDA approved lender. Both of the answers already given are correct, but you mention you work for the Govt....have you ever been in the Military? Do you qualify for VA?
I would like to ask you a few questions, if you have the time to discuss in more detail over a phone call please call to discuss.