My credit union union offers a 100% LTV home equity loan product (not HELOC) at 6.99% but it it is only a 10 year amort. 

I have excellent credit, 10K in cash saved and $0 in debt.

I ran a credit check and they have good credit.

Your ability to avoid sinking too much of your capital into Dead Equity by obtaining mortgage loans...without a job, will be key.Now, if you're one of those who are listening to 1994 Carlton Sheets cassettes, with no money in the bank, bad credit, living with mom and dad, but just a desire to purchase, then stop wasting your time and concentrate on finding a job.

With this income, I have finally balanced my credit card situation.

- Does the IRA provider have the capability to handle my IRA if it wants to extend a line of  credit?

Can I use a credit card as a deposit?

We are looking for a company who could maintain the loan and report it to credit bureaus to help improve their credit scores. 

My wife and I both have credit score over 700.

Otherwise, you'll need at least 20% down (typically 25-30% down but some local lenders will only require 20%), but to @Mark Bookhagen's point you'll want to call around to a few local banks / credit unions and see what they would want to see from you and what they would typically charge for origination fees etc.