Can I buy a home with $49,000 income?

It would absolutely depend on the price of the home. With that said, with good credit more things are possible than not - and I've helped many people with incomes much lower than that finance their home. There are multiple low/no down payment products out there, as well - so don't let that be a barrier to doing some research. I'd be more than happy to talk with you and "coach" you through the process.

There are programs other than VA where you can come in with close to nothing but not every lender are qualified or know about these programs. This is not the type of program where you have to be a first time home owner or buy in a specific area. Send me your phone number and I will call you to answer your questions more on that loan program.