That very much depends on the lender and the type of loan. FHA loans have different guidelines than others.
Try contacting the Minnesota Housing Finance Agency for information. They have lots of good information on buying a home and offer low interest loans to some home buyers based on income: http://www.mnhousing.gov/
I would be happy to run your credit report to see if we can find you a mortgage that fits your needs. There are a few factors and I'll be happy to work with you to explain the criteria and process. Email me at: RoyalSusan@hotmail.com or call me at 952-270-4183
Sue Straub, Broker, Mortgage Broker
Royal Real Estate and Granite Mortgage