The only way is to try to get approved for the loan BEFORE you go house shopping. If this is your first time owning a home, there may be some special state programs to help you. But there are other costs to home ownership -- including property taxes and insurance. And for a house at that price there may be needed repairs You should probably get some counseling before you take on this challenge. Call 800-388-2227, the National Foundation for Credit Counseling. That will put you in touch with the nearest local agency, and they can help you work through the details. I admire your determination, but you need some support for this big step.