<prompt> Human: I have been looking for a place to ask questions to someone with my best interest in mind and I feel here is a perfect place to do that. How do I even start this process? My SO, her mother, and I are currently living together but trying to get more space as we want our family to grow. I tried to just roll the dice and apply for a loan with her mother and since I have no credit, my income counts for nothing and she doesnt get approved alone. We need to get a house and dont want to be charged the intermediary fee of a landlord. But apparently I cant get a loan even though I have a very solid job. Specifics- her mother makes 1800 a month off SSMid 500s score I make 24k a year as an accountant 2 years now No credit No college education  <response>: You cant afford to buy a home until you have the down payment.Oh, and dont buy a house with someone you arent married to without a lawyer. This is a partnership with a giant asset.Sounds like you just need to rent a bigger place and save up to buy. 