Your best bet, especially if you are going fha, is to meet with a local and trusted mortgage broker. You really need to put a face with a person, having someone local who you can meet with, drop things off to and pick up a phone and actually reach will mean the world of a good experience or awful experience. FHA has the same guidelines no matter where you go, however the company and loan officer that puts your file together matters more than anything whether it will work, will not work and how much stress you will or will not face. good luck with your loan. I hope things work out well.