Get with a professional mortgage broker. It will take 15-20 min to pull credit, gather employment, asset info together, etc.
If your work history is complicated (lots of diff jobs, hourly pay, etc) determining income is a challenge. A mortgage professional will KNOW the ways underwriters will look at your income. Your personal banker at the local branch (likely) will not.
Mortgage brokers can SHOP your loan to several different lenders. A banker is stuck with his underwriters/guidelines.
The only purchase loans available to 100% are:
1) VA for current/former servicemen/women in good standing
2) USDA rural housing
3) FHA with 3% down payment assistance
I closed a handful of FHA purchases and one USDA this month. Each put $1000 - $2000 into the house netting $15000 - $25000 in equity when they got their keys. You can too!
Best of luck!