Discrimination is not allowed in home buying. If you are over 18, have sufficient income (on the books), enough cash for a 3.5% downpayment and a credit score of 640 or higher, you can get an FHA mortgage. I recommend you speak to a mortgage broker or mortgage banker and get a pre-approval. Not only will it help you to determine how much you can afford, you will also be prepared to make an offer once you do find the right house. It will also give you an opportunity to look at your credit score and get some advice on how you can improve it. If you don't know who to go to, contact me. I will be happy to provide you with a list of reputable mortgage experts in the Freeport area.