<prompt> Human: So here it is, rpersonalfinance: Im 39, have a steady job as a Massage Therapist, and will be out of cc debt in three months. Apartment costs here in metro Atlanta are overpriced and Im thinking about buying a house. I have a 767 credit score currently. Average monthly income is about 1600mth Started with a new spa in August, so far its going good but its still too early to say. I gather about 200 in cash tips. No kids. Car is paid off. I do have some have some 401KIRA contributions.Difficulty: I have about 2500 in savings. How are loans working these days for people like me? Should I just start saving towards 20 of something?  <response>: You are in no position to buy a house yet. You dont even have an emergency fund. 