Hey I have a split pipe about an inch long under the kitchen sink of one my homes in Dayton Lane. If your husband could help have him give me a call.

There is a first time home buyer program that is offered through mortgage bankers in the state of Ohio. If the property is habitable you may qualify for this and it offer a great interest rate. If you have the income I would recommend trying for the loan by yourself but have a mortgage professional go over the pros and cons.
Please feel free to contact me.

Maria, you can get a free pre-approval by applying online just to make sure. But you are gettin good advise about talking to a lender first. You have a hefty down payment which is worth much in buying a house and being approved for a loan. You can apply online with a lender from my company. Just go to my website and look for Legacy Mortgage link.

It does sound like you would likely qualify, a good rule of thumb is that you can afford a home priced roughly 4 times that of your income, but always seek advice from your bank or a mortgage broker.

Sounds to me like you more than qualify for a home @ $100,000. You need to call a good bank or mortgage company. The evaluation will be free and only takes minutes. You could contact a realtor in your area to help also. We always can make a recommendation for a mortgage from our experiances. Good Luck!