There are many factors that go into qualifying for a Mortgage Loan. FICO score is a major aspect, but each person's situation is unique and more so with particular properties in mind...so it's best to sit down and talk to a Lender and/or a Realtor, who is knowledable about loans and can refer you to at least 3 loan specialists.
Having a good & comfortable rapport with your Realtor & Loan specialist is also important. You should be comfortable asking them questions and also feel like they are trying to educate you and show you options. Great agents and loan specialists will always take the time to get to know your situation, so they know how best to guide you through the process.