Even if you can demonstrate an income at the level you state and have no debt, an income of $27,040 would not qualify for a home in the $130K range without a very sizable down-payment. Don't let this discourage you. That house may be out of the picture, but you may still be able to buy a home that will serve your interests better than a rental.
It costs nothing to get pre-qualified, so talk to a mortgage loan officer to see whether you can use that $13/hr figure, and just what your borrowing limit is. If you can, great! If you can't, but you feel good about being able to steadily bring in $13/hr, you should not dismiss getting a co-signer. A co-signer does not change the fact that you own the home, and will be buying it on your own. The co-signer just gives the lender the assurance that their interest will be preserved.
Then take a look at the link below to see whether you might qualify for one of the assistance programs available in your area, and what that may be.
Assuming that you get a handle on what you can afford, and have explored your buyer assistance options, your next step should be to sign on with a buyer's agent to help you find the best property you can.
There are many options available at $100K or less in the area depending upon where you are looking and what you are looking for. You may have picked the wrong agent match for you this time around.
I worked with a client who ended up getting a cosigner. She had a very healthy trust fund, but she was young, a student without a job, and had no credit. She didn't want to pay cash and she didn't want to take a loan against her trust fund.
If you have someone who is able to co-sign for you and help you get your first home, consider the option. You'll save yourself some hassle in getting a loan. Is including your roommate in the purchase an option?
Real Estate is local-not national. It happens to be a very good time to buy in the Dallas/Ft. Worth area.
You absolutely should talk to a mortgage lender to find out what you can afford. This is important because when it comes time to writing an offer on a property, you'll want to be able to show that you've been preapproved by a lender and that you are a serious buyer.
save your money
you cant go wrong by saving money
it is not a good time to buy a house
prices are declining
if you buy this house for $136,000
next year it could be worth 10% less
and if you must buy
get an FHA loan
You need to speak with a qualified mortgage lender. They will take your information and determine whether or not you can qualify to buy a home and at what price. This is the only way in my opinion to purchase a home, find out what you can purchase then start looking. The agent should have told you that right up front.