As Bill mentioned, you should meet with a mortgage broker who has access to information on multiple lending programs. Depending on the program, you may be eligible for more than you think at this point.
I would also recommend getting a copy of each of your credit reports from the three main credit reporting agencies. This way, if you see anything incorrect, you can start to fix it now rather than later. And you won't be surprised when the mortgage broker or banker asks you about it.
If you are in need of some mortgage contacts, let me know. If have a few names I could give you.