If you need a mortgage banker to help you, I'm always available to meet face-to-face at one of our Queens branches.
Senior Loan Officer
Sterling National Bank
Its unlikely that you would qualify with your income level, but a better option would be to include seller paid closing costs in your contract offer. When you as the buyer bring a serious offer at a fair market rate, many sellers will entertain paying all or a portion of the buyer's closing costs.
Be sure to be preapproved for a mortgage before making an offer on a property and your Realtor will include the preapproval with the offer (demonstrating that you are serious buyer) and making it more likely that the seller will agree to the closing cost contribution.