my guess is no, but im not positive.
I just made an offer on a house and have applied to 3 places to see who can give me the best rate for a mortgage. I am 26, salary in the mid 50s, have a credit score at 770, have 1 car paid off, one car loan for 20k, and about 12 K in student loans. The absolute biggest factor I keep running into is down payment and I am looking to put down 10% (closing costs and 5% covered by parents)
Everyone I talk to says I have great credit, they arent worried about the loans, but my options are very limited. I have been told my options for a mortgage are either a government backed one (those require having a house on the property) or my credit union which has a special program running for first time home buyers (has to be a livable house) and both options require putting down at least 5%.