Are you looking in Pullman or another city now? Loan - You need to find a decent Lender Brokerage that has the ability to compare several types of programs. If you have a credit union, look in to it and ask questions to see what you actually qualify for. Home - For this specific house, you will need the Realtor (or another Realtor) to evaluate the property and see if it's worth the current asking price, compared to the rest of the market. Then, you need to go and see the comparibles to better educate yourself on this home and if it really is "the one." Borrowing - I think the last thing you want to do is "borrow" from a relative. Not only is there the "actual dollars owed".....you also have the emotional debt to them as well. Your relationship will change when you owe people money. I would suggest not using this option if at all possible. The market is low right now and a lot of people are unsure if we've reached the bottom or not. I do think there is more activity now and with the summer coming, I believe the activity is going to increase (slowly). But it will take time. My suggestion, don't rush into this just to get a home. Be sure you are financially prepared to handle this. Dave Ramsey - He would probably recommend to pay down (and focus hard) on paying off your student loans. Then build up a nice downpayment and then, go for a home. He recommends 20% down (which is a lot) but worth considering. Anyways, just my 2 cents.