Congratulations on graduation, finding a good job and saving some money. Chances are you do have some credit, a cell phone, student loan, utility bill etc. If the home only costs $15,000 you have 1/3 down and may be able to obtain owner financing. If you meant the home is $150,000 I would start with a mortgage broker or your local bank or credit union. FHA requires 3.5% down payment, so you are close at the asking price. Find an agent to represent you and see if you can get a better deal.