<prompt> Human: Like the 1 down online ones I see. Are lending tree and quicken legit? I poked around and couldnt find you guys talking g about it so a link to old discussions would be great. Personally my family of 5 makes rent o time every month but if home ownership is in reach Id jump at it. We live in a very expensive mid Atlantic subburb.Assistant: how much does the household earn annually?how much are houses in your area?Human: Around 30k. We get SSI ebt wic and the kids are Medicaid but not us parents so Im not too worried about qualifing for need based things. A new townhome is 500k. Old one for 300k.  <response>: Wow, no offense but youre not even close to being able to afford to buy even a 300k house. We advise to spend about max 3x your income on a house, so that would be a 90k house for you. Are you doing anything to increase your income? You are going to be priced out of home ownership in your area basically forever at this level. 