Advice for a life time renter wanting to buy a house, any help?

My Dad and I live together. He is recently widowed, as I lost my mother last year. We want to do what my mom's dream was, and that's to own a home. Here's the situation though, we are pretty clueless about what to do to get the best deal, and if we'll be able to get a house in the first place. The reason why we are nervous is because my Dad is 52(i'm 21) and just from my assumptions, most mortgage companies will probably turn us down for a 30 year loan due to my Dad's age, and I don't think we could afford 15 years. We have a significant amount of money to put down, but the problem is, we don't make that much in overall annual income. My Dad alone brings in about $30,000 and I'm looking/hoping to bring in about 5,000-10,000 this year. Any advice or help for us first time buyers, would be highly appreciated.Advice for a life time renter wanting to buy a house, any help?
You can purchase a home and fulfill your mother's dream. You should go to a first time home buyer's seminar, a bank in your area might be having one soon. You can also look for information on low interest government programs at www.Fanniemae.com and www.Habitatforhumanity.com these are two programs that I know of. You should probably be the one to apply because of your age and income. You may also be able to apply together. Your income is quite low, so you may have to get a part-time job to supplement your income to be eligible. Can't hurt to look into all your options. Good Luck.Advice for a life time renter wanting to buy a house, any help?
If it is a house that you are renting talk to the land lord about purchasing it. the payments you have made to him/her could count as mortage payments to the bank or finance company then refinance and get regular mortgage in 6 to 12 months.

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