Good Credit goes along way in today's market and most lenders will say you have "character" with good credit and no debts. Definitely not a problem since lender's cannot discriminate due to age.
Seller concessions is the way to go since you do not have much money for a down payment. It is a great time to buy all over the country so good luck and enjoy the American Dream of home ownership.
FHA is for everyone these days, not just first time homebuyers. Make sure your realtor(R) can recommend a good mortgage broker familiar with FHA. In this scenario you can put as little as 3% down and sometimes even less. Your age is irrelevant, and having stability at your job, and good credit mean you can get a mortgage probably anywhere, its just that conventional lenders usually require minimum of 10% down in this market. Best of luck to you! Go buy a home! It's a great time for buyers AND sellers! and give me a call if you need a referral to a great realtor. thanks! Maggie
No you shouldn't have difficulty. From your description you have two points of the triangle completed. Good credit with a high paying job. Unless you have an enourmous amount of outstanding debt I could not forsee any troubles whatsoever with you getting financed. FHA is definately a viable option. You will most certainly put less down. In my opinion you will recieve great financing. Contact a local banker that you trust and is reputable for providing good service.
Try getting with a major lender whi is a direct underwriter for FHA. Wells Fargo is one option. Fha allows just a 3 % down payment and your age doesn't matter. Good credit and job stability is what matters most.
Good luck with your house hunting.