Happy to assist you few concerns:

a) If your credit scores are lower than 620 won't be able to obtain a loan
b) Requires 3.5% downpayment or more based on many issues.
c) Everything needs be reviewed determine loan status, does your mother pay you rent? Do you reside there with her?
d) You may have to do a lease purchase till your financial file recovers scores increase and a downpayment

We work with lease purchases
Direct LInk assist with your searcl

http://sites.google.com/site/dallasbankforeclosureslistings

CONTACT OUR OFFICE TODAY
972-699-9111
Lynn A. Crosby ~ National Featured Realtor
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"...Specializing in Residential, Commercial Properties and Loans..."
Dallas Realtor, and Credit Repair Consultant -
The Michael Group - "Dallas Business Journal 07’ & 08' list top realtors"
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Dallas Real Estate Website: http://www.lynn911.com 60,000 listings Dallas homes for sale

My suggestion is to first pre-qualify for a loan. Many lenders have documents in both English and Spanish.
Call your local credit union or bank and ask for a loan officer that speaks Spanish. He will give you a "good faith" estimate. This will tell you how much you can afford and how much money that you will need to close the loan. He/ She may also suggest several different financing options to met your needs.