First and foremost, this is a question for a lender more than for a real estate agent. It is my understanding you'll need to get your score up to 650+, but again, I defer to a lender. Here is a lender recommendation:
Robin M. Cousineau C.M.P.
Residential Mortgage Services, Inc.
1 Club Acre Lane
Bedford, NH 03110
Licensed by the New Hampshire Banking Department.
Robin and I have been working together for 10+ years and I highly recommend her. She can help you understand what you'll need to do to increase your score.
Also, in the past, you could have gotten what is known as a "no doc" loan due to your large down payment This type of a loan is no longer available...
Best wishes, Lee
Lee P. Johansen
Keller Williams Realty Metropolitan
168 South River Rd. Suite 1A, Bedford, NH 03110
Licensed in New Hampshire
OH BY THE WAY
I'm never too busy
for your referrals