Would-Be First Time Buyers, Looking for Solid AdviceMy partner and I are actively discussing a near-future attempt to approach a bank in hopes of securing a mortgage. We would both be first time home-buyers. The issue that I see becoming a sticking point is basically this : I've just turned 30, and due to an expensive education and student loans mostly, I have a lousy credit score under 600. My income level however, exceeds 75k, which is about double the local median average income per household, I work full time, my employer is in very strong condition financially speaking, my job is stable. Now at the other side of things, my partner who is only 22, has no job or income, but I've helped him to obtain a 700ish credit score that keeps getting better. We are currently renting, however we'd be able to cut our monthly housing expense by about half or even more if we were buying. I am wondering what sort of advice we could be given that might be useful i.e. our being able to obtain a home loan. March 26 2011 - Inwood00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.