I'll suggest a third goal: Save up more money.
Also, make sure you are declaring all that freelance income on your income tax returns.
I once met a professional who earned well into the six figures, but only reported about 1/2 of it on her tax returns. She had a very difficult time understanding why the bank wouldn't give her the mortgage she thought she deserved, and she was quite angry about it, too. Try as I might, I just couldn't get her to understand that tax evasion is not something banks like to see on a mortgage application!
You're definitely in the right track. You could visit a bank or two and see what they can offer at this time, and ask them how a better FICO or a bigger down payment would change the picture.
Licensed Real Estate Salesperson
New York, NY