You have a great credit score that would normally allow you to get a high ltv loan. Most of these loans will require that you have a solid 2 year work history and enough liquid assests to cover the down payment, closing costs, and 6 months of whatever the expected mortgage payment on the property will be. Those funds need to have been in the account for at least 2 months. A no ratio could be done under this circumstance.
If you didn't have the 2 yr history of employment or enough assests then a no doc would be needed.
What concerns me though is the amount of tradelines opened on your credit report. On these programs, not only do lenders require specific scores they also need 3 or 4 active accounts that have been opened 2 years. If you don't have them, there are a couple lenders that allow utility bills to be used.
One more thing, most lenders require you to show a verifiabe 12 month mortgage or rental history.
