I can’t afford a downpayment on a house.
There are loan programs that only require 3% down and there are downpayment assistant programs to even help with that amount.
My credit score is too low.
Some lenders go down to 550 in special cases but 620 has more options. Higher the score the lower the rate/fees. 700 is a nice sweet spot.
I don't make enough money to qualify.
Generally, lenders want a 'Debt to Income' ratio less than 50%. This means half of your gross mo. income used to pay mortgage, credit card (min.), car payments, installments. Things NOT considered as an expense are current rent, car insurance, cell, utilities, etc...