You are on exactly the right track by starting with the lending part of the home buying process.
I would recommend that you contact Jeff Cruz at Castle & Cooke Mortgage. They are a national mortgage lender but treat you as if they are a local business. They can do every type of loan, have low costs, and Jeff is very creative to find exactly the right product for your needs. He's great to work with - very responsive, respectful and professional.
Jeff's contact info is:
Castle & Cooke Mortgage
777 East Sonterra Blvd, Suite 350
San Antonio, TX 78258
Good luck! If there's anything I can do to help, don't hesitate to call!
Kathy Walsh, RealtorÂ®
Keller Williams Heritage