If your husband passed away (and I am so sorry for your loss), that would definitely fall within the significant loss of income guidelines of the Back to Work Program.
I would suggest you contact All Western Mortgage at 866.699.4467. Not only do they have the Back to Work Program, we have negotiated a special deal for our clients that eliminates the traditional lender fees of discount points, underwriting fees and processing fees while still remaining super competitive on the loan rates. You will want to compare several mortgage lenders for rates and fees!
Just in case you also want to become familiar with the market, go to: http://www.GreatLasVegasHomes.com.
It is a local site and updated daily, unlike the national sites like Trulia and Zillow. Those big sites are terribly outdated - I have seen properties listed on them that haven't been for sale for years! Local agent sites by law must maintain updated databases.
Let me know how I can help you. I truly do think you are an excellent candidate for the Back to Work Program based on what you have said.
Prudential Americana Group Realtors
The Tonnesen Team - with over 30 years of experience helping families call Las Vegas "home!"