Couple things like many people have pointed out. Rates are horrible but that will eventually force prices down. Keep saving to put as much down as you can. In the case of your undocumented boyfriend all that means is you make 90k. Don't even put him on any paperwork, it will make the process easier. Your still young and although your intentions are good in home ownership. There is more than just a mortgage payment. Get your money up and be patient. Consider a multifamily first and good luck.