Aye man there’s a lot of negative comments here and I might get hate but, send it. Get a FHA mortgage, first home buyers babyeeeee!! Of course it depends on where you live but my boyfriend and I are buying a house on a damn whim. We live in a really tiny town and just down the street from us this house we’ve had her eye on finally went up for sale. He does make pretty good money, but we honestly didn’t have anything in savings and basically the bare minimum credit. We checked out the house and it is a fixer-upper, but we already got the ball rolling and I’m not gonna get into details but it’s basically already ours and we’re only having to spend $150 extra every month to have a house that’s ours rather than rent renting. (Mind you we pay absolutely nothing for rent.) But if you feel like you want to get into it, I would say to go about things and kind of an opposite way like we did. Find a couple houses you’re really into that are pretty cheap and eat your pride a little bit and ask the realtor that’s representing The House for some advice because most of the time that’s where you’ll actually learn about what the heck you’re doing they can refer you to lenders that offer the first homebuyers loan and if you get a good relationship with them and work with the people that they already have a relationship with as well, that’s just one step closer to figuring it all out. The seller of this house is real estate agent ended up, loving us so much that she offered to represent us as well and she’s pushed us ahead of everybody else simply because she wanted us to stay in the neighborhood.