Need to buy a home soon!!

Based on what you have said here you should be just fine but you should definitely seek out a local mortgage broker, stay clear of the big banks where they just have barely licensed app takers, and let them help you.

You have good credit scores, and decent income, but there's a lot more to it than that....The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Not the local "Big" bank, and certainly not one of those 50 states internet or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

We can help you out. If you are looking to buy a home in NJ, give us a call, my wife will find you the home of your dreams, she is with Prominent Properties-Sotheby's International, and I will get you a low FHA loan and depending on your liabilities and how much you have available for downpayment we may get you a conventional loan, we'll check all the options for you....give us a call at 201 398 3726 or email me at nicolas@intercountymortgage.com

Your inquiry doesn't give anyone enough information to properly assist you. But that is OK, simply contact a local non-bank licensed loan officer. Do it old school. Get in your car, drive down to their office and give them a full application. They can professionally analyze your exact situation and make proper suggestions. There is nothing on the internet you can't get from the professional down the street.

You will be fine, but try to use a Mortgage Broker in your area with knowledge of the latest guidelines in the industry.

We can help you. I will need more info. Please contact us at 201-962-3555 or Team@BestMortgageOption.com