<prompt> Human: My SO and I are looking to move from the condo we currently rent into our own house. The five year plan is currently to establish a somewhat permanent lifestyle before getting married.The house we have been looking at is listed for 58,000 small town rural area, low property values, but we can probably get it for less because it is somewhat of a fixer upper, and I have a background in construction so fixing anything in the house wont be as much of as expense as it would be for most people.Were not really worried about the house itself, but more getting the mortgage itself. While we arent exactly struggling to survive on our paychecks, and doing some preliminary math we figured that getting our own place would actually be cheaper than what were renting now, but we have almost nothing for a down-payment, and thanks to my identity being stolen two years ago, my credit is terrible, and she hasnt established her own credit yet.I currently know my loan officer at our bank personally, and have taken several small loans from them in the past with no problems between 500 and 5000, but would like to know the chances, or any complications we may have in getting something in the amount that we may be looking for. Or any hidden expenses we may not be accounting for.  <response>: Save a down payment, fix your credit, and dont ever buy something jointly unless youre married. 