You should go to a local branch bank and sit with a loan officer or a mortgage banker and they should be able to help you qualify for the right loan. I'm a mortgage loan officer too if you give me a call or email I should be able to answer some of the question you have.
I can be reach at 954-709-4659.
We would be happy to do an analysis of your current financial situation and determine exactly what type of loan you qualify for, monthly payments, etc. Email me and I will give you a link to our in house mortgage banker. There is no charge for this service and only takes about 15 minutes.
The Keyes Company
3300 University Drive
Coral Springs, FL 33065