Yes you can get a loan with 12000 a year if you can find a home where your payment all in is not more than $400 per month. You would need a down payment of probably about 3.5% . As with this very small down payment, you would be allowed the most lenient debt to income ratios. You should get preapproved to buy the home ahead of you looking."
To get in touch with her, see below:
Your credit score is fine but the income piece is probably an issue for a loan. There are some good first time homebuyer programs out there. Perhaps a good lender could find a loan product that would work for you. I'd be glad to give you a couple of lender recommendations.
To check for sure, may I reccomend you call Natalya Hill at 919-614-0388 . She is an excellent lender that I have been working with since 1994! Doesn't hurt to call and let her run your numbers for you.
If there is anything I can do to help you in finding a home, please don't hesitate to contact me!