Try getting a NACA mortgage. Have you Realtor sign you up so she can represent you. If you go to the NACA website yourself you will be required to work with a Realtor they chose so contact your Realtor today and tell her you want to get the NACA mortgage.
Here's the website, but remember DO NOT sign up until you have chosen your Realtor and she logs you in:
If you don't have a Realtor yet, contact me and I can give you a great recommendation in Ponte Vedra.s
All the best,