When purchasing a home, they look at many factors, including credit score and income. Your score is great, but the income would be too low to qualify for a home purchase of $100,000. Other things to consider is that although your score is high enough, you may not have enough trade lines aka revolving credit such as a car payment or credit card. You may be able to use alternative credit such as cell phone bill that you regularly pay on time every month. Typically they want three of these. You may qualify for a lesser priced home or maybe you can get someone else on the loan with you who can be considered a non occupied owner. I hope this has helped.