Loan in Phoenix with little down and strange financials?Currently living and renting in Manhattan. Have accepted a job in Phoenix, and would like to purchase our first home. But there are... complications:I currently make about $110K ($85 in salary, and bits moonlighting), and will make that in Phoenix. Spouse currently makes $240K, but has not yet found a job in Phoenix. We are renting an apartment in NY for just north of $3K a month.Our credit is in the high 700s (800 for experian), but we only have about $60K in savings--at most--that we can put toward a down payment.We would like to buy this summer when we make the move, but we don't know what to do about the no spousal job yet. So, lots of questions:1) Is a 10% down (either via 80-10-10 or with PMI) a possibility any more, on something like a $500K - $600K home? Or are we pretty much stuck with FHA and the limits ($345K?)?2) Am I better off applying for the loan on my own, just not indicating that spouse is employed. Or should we suggest the spouse will stay in NY and we'll do the long-distance thing, for the purposes of getting the loan? (This is a possibility, but spouse is intent on making the move, despite the likelihood that the salary will be less than half of the current, assuming a job comes along.)Implicit in the above--is there a good mortgage broker in Phoenix who has experience with working with folks with smaller downpayments.April 25 2012 - Desert View0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.