Congratulations on the great credit scores. That will certainly open up a lot more options for your home financing needs.
The first question I would ask is, how much do you have budgeted for a house payment - principle, interest, taxes and insurance? Knowing this, we can "work backwards" into how much house we can try to pre-approve you for. And, from there determine what type of loan would best suit your needs. An FHA loan might just be the best way to go. However, there might be several options and a mortgage professional could help you sort through them.
When pre-approving someone for a loan, investors will look at credit score, down payment, and your debt-to-income ratio. So, depending on how much that one income is, and what other bills you have out there - if any, will determine the outcome of the pre-approval.
I would suggest contacting a lender to get the process started. Pre-approvals are done at no cost and no obligation to you.
I'm available to help, if you would like. I am located in Appleton, and am licensed to write loans throughout Wisconsin. I've done loans for people moving here from as far away as Europe, so the distance isn't an issue. You can call me or go online to fill out a secure loan application. Whichever you prefer. The process should take less than 24 hours.
Let me know if I can be of service.
Patriot Mortgage Services, Inc.