Dear Joan I'm a mortgage profesional and my suggestion is to ask your close friends who own a home to see if they would recommend a loan officer to you. It's all about reputation and trust. If you can't come across an individual you like this way. Interview some loan officers from major banks. I would also look at samller savings banks in the immediate area.
For your information as well, your loan amount exceeds the regular FHA loan limit. The expanded limits have additional fees to do and with FHA you always have mortgage insurance which you don't need with a down pay,ment greater than 20%.
New Fannie Mae & Freddie Mac pricing hits could possibly cost you as much as 1.5% for loans greater than 70% loan to value with a credit score of between 660- 679. Thus I think it would be wise if you have enough timebefore you have to close, to speak with a loan officer than can guide you on increasing your credit score. I have a computer program from one of my reporting bureas that gives you step by step instruction on such matters. Feel free to contact me for further information. Good luck