<prompt> Human: Hey rpersonalfinance,I need a mortgage. I am 19, have really good credit730 with zero incidents and always have paid on time. I dont have any other debtcarstudent. I make 25,000 a year, and have been saving up for a down payment but seeing as my parents are kicking me out soon I am not going to be able to save enough to get my goal20k. In my area, rent is insanely expensive compared to a mortgage. It is 800 for a 1 bedroom apartment, while a 30 year 80,000 mortgage would cost me 380 a month. I can afford a mortgage, but not rent.The problem Ive been running into is finding a mortgage lender who will give me a loan at 25,000, as well as me being so young. Ive been denied 3 times so far while trying to pre-qualifyPlease help.  <response>: Youre not going to get a mortgage, sorry.It doesnt matter that you think it is cheaper than rent. You forgot about taxes, insurance, maintenance repairs and increased utilities in your calculation, by the way. Not to mention closing costs on the transaction.Get a roommate or something. 