<prompt> Human: Im mostly concerned with how I go about getting a loan. I was offered a house appraised at about 80k for half that price. I have a little money in the bank, Ive never been good with saving without incentive though I pay all of my bills on time, and live like a normal human while still saving a bit. Just not as much as I couldIve got no established credit, though my mother is willing to cosign, as well as personally loan me the down payment, and her credit is wonderful. Ive got some medical bills that have not been paid, otherwise, no credit.Ive got secure employment, my only inconsistency is my weekly take home. My weekly checks range from 350 - 600I was also just given an opportunity to start running machinery that, within a year of practice, can give me worlds of opportunity in my field, as well as up to 30 dollars in raises, depending.Thanks in advance for any advice and explanations.  <response>: Dont forget, along with the payment, you have insurance and property taxes. You should have an inspection too. Doesnt sound like you have any money for repairs you WILL HAVE FOR SURE!! houses are far more expensive than just the monthly payment. 