Thank you for your question Katie:
You have some very strong points such as your high 780 credit score and your 10 year employment history.
I recommend that you talk with Doug Jones, the owner of Mortgage Magic.
Mr. Jones is one of the best lenders available.
Mr. Jones has been a lender for over 40 years and has a great deal of experience with this issue.
You may reach Mr. Jones at his cell phone: (408) 209-6773.
I also recommend that you go to Mr. Jones website at www.mortgagemagic.com
Charles Butterfield MBA
Real Estate Broker/REALTOR
Cell Phone: (408)509-6218
Email Address: firstname.lastname@example.org