Have you been pre-approved or have you actually applied for the loan and got a Wriiten Commitment Letter? This makes a difference. Your realtor should be able to show you homes in the $80K to $100K that can be negotiated down. It really depends on condition of home, how long on the market, and how desperate the seller is. Have you got a realtor? If not, I would recommend my afiliate partner, Guillermo "Bill" Diaz at Homeseller Direct Realty, who knows that area well. HIs toll free number is 877-489-4724, cell 561-502-0106 and his email is Gdiaz@nationalhousingnetwrok.com.
PS- if you need a lender, call me Frank Olguin 561-386-9731, Mortgage Banker AmericaHomeKey Inc. Folguin@americahomekey.com.