<prompt> Human: My girlfriend and I are looking into getting a house. But we havent the slightest idea on how to go about doing so. Credit score for just myself is 580 and she has no credit. I make about 7,000-8,000 a mouth just myself. She makes about 3,000The house we are looking at is 99,000. Basically Im wondering what kind of loan we should look for or if I need to get my credit higher? And really anything helps. Never really thought about buying a house and now its something that should happen for us, considering our careers.  <response>: Do not buy a house with your girlfriend.If you want to own a home and live together, purchase it yourself and either let your girlfriend live there for free or pay you rent.Yes, you need to work on your credit before you apply for a loan. You also need to save up at least 10 down preferably 20, plus closing costs, plus a 6-month emergency fund. 