<prompt> Human: My family myself, my boyfriend, our 6 mo twins is moving 3 hours away from where we currently live. We will be closer to family, the cost of living would be lower, and I would be able to finish school. I aquired about 2 acres of land that is ready for a home has water and electricity already hooked up and a septic tank. We are wanting to get a mobile home placed on the property. We both like one that is 2280 sqft for 95,900brand new and turn key ready plus 3000 if we want it furnished. Here is our current financial situation:-my boyfriend makes about 3100mo gross-he pays 800mo in child support -he owes about 7500 in back child support, which is being paid off each month-both of our credit scores are low. Mine is about 560 and I dont know his but its much lower -I only work on Saturdays and make approximately 200 each Saturday -our current rent is 1250 and utilities are about 400-we have enough to put down roughly a 10 down payment Our lease is up in August. My plan is for me and our kids to leave first. I have a job lined up where I will be bringing home around 3000mo. I will be living with my parents until the house can be delivered. My boyfriend will stay in our current home until our lease is up. Any and all advice is appreciated but I do have some particular questions. Is what we are wanting achievable?Should we apply jointly or just by myself?Should I wait until after I have gotten my first paycheck from my job in town?Is furnishing worth it?Is there anything I am over looking?Thanks in advance!  <response>: We both like one that is 2280 sqft for 95,900my boyfriend makes about 3100mo gross -he pays 800mo in child support -he owes about 7500 in back child support, which is being paid off each month -both of our credit scores are low. Mine is about 560 and I dont know his but its much lowerSo you would be trying to qualify for a nearly 100,000 loan on 37,000 a year in income with a take home currently around 1750 per month after child support. So really more like 27,600 per year with worst-than-no-credit-score.When in reality you should have 20 down plus transaction costs so something like 25,000 in cash, but perhaps you can get away with just 5k in transaction costs if they let you marry the mobile to the land, essentially using the land as your 20 equity - assuming the land is worth at least that. This isnt a thing in all states or with all lenders.I have a job lined up where I will be bringing home around 3000mo.Which is meaningless as far as qualifying for a loan goes. Not for a year or so.You are in debt with a poor credit score and inadequate savings is this almost 10 all of your savings? Or do you have separate money for the transaction costs and an emergency fund?Is this we are wanting achievable?It doesnt look like this is something youre anywhere close to. Maybe if you fix your credit how much will that cost? Because with a 560 Im sure you owe one or more people money still and save for a 20 downpayment, plus transaction costs, plus a 6 month emergency fund. This sounds like a minimum of a year after youve gotten your new job. 