Do you have credit? Is your credit (fico) score above 620?
If your income is secure. If your industry is not going to throw away even more jobs, if you are prepared to buy and live in a location for many years to come even if the house value drops more you should be ready to buy.
You are NOT ready to buy with your boyfriend. Buy by yourself. To many times relationships end and mortgages live on. That means if you were to buy with anyone not your husband you need to write out a legal document that says what each party is responsible for regarding the house if the relationship fails. It is not romantic, but is extremely practical.
Below are some things to look at and consider before buying a house. This is a long term very large expenditure of monies that needs to be considered very thoughtfully.
See if renting or buying makes more financial sense for you. Using your numbers the blog below shows how.
Why renting paying more each month just might be a smarter idea. A very different perspective below.
Some valid reasons to wait to buy a house. Consider this well.
Look at some things about foreclosures below before buying anything. Then do more research for your local area.
A basic overview of the house buying process.
Why the cost of gasoline could make a big difference when you are looking at buying certain properties.
What should I watch out for when choosing a home to buy so that I don't jump into a money pit?
Finally, not to be found elsewhere...Some things to find out and questions to ask to minimize the likelihood of buying a house with some problems you do not need.