Sounds like we need to talk. There are so many loan options out there a lender really needs to see your entire financial picture to know what rate they can offer you.
From what you have mentioned above, yes, you should be able to get a loan.
One option is an FHA loans where you only need 3%-5% down. Plus don't forget you also need closing cost when you buy a home. :)
Once you know how much you qualify for, then you can see if there are homes in your price range you would be interested in buying.
You are asking really good questions and you sound like you would really like to buy a house. Hope to hear from you, you seem like a client I would be happy to work with. Buying a house doesn't have to be overwhelming. Hope I can help you navigate through the process. Take care.
You should speak with a loan professional who works with the Oakland loan programs. If you're a first time home buyer looking in West Oakland, you may qualify for MAP and/or MCC's. One of my clients was recently able to leverage these programs and she was very satisfied.
Feel free to contact me if you have questions or need a recommendation for a loan officer.