Mortgage Help for "thin file" little credit?

I am 19 me and me girlfriend are going to get married and we want to get a house we both work full time I make about about 15000 and she makes 25000 annually we also want her mom to move in who gets around 12000 a year and with help with the mortgage. My girlfriend has bad credit because of not having medical insurance so has medical bills and the city she lived in left her utilities on in old addresses for years 6 in one location so she has thousands owed to utilities and her mom is in the same boat. I currently am also a full time college student I work very hard as does my girlfriend and I want us to be able to get a house. On paper I make so little but I only have good credit with my car payment which has been paid on time for the 10 month lifespan of the loan which is 2 years (totaling 00) although I am saving up and will have it paid off by February though and the only other thing on my credit is my student loans ( totaling 50)which i am also in good standing with, I know all of this because I checked my credit report but not my credit score because it costs money and I don’t have a credit card also though I have applied for a discover card and was declined the only other checks on my credit were twice when I was looking for a car and my bank twice trying to get credit over draft protection and my car loan a have a co-signer. I am no longer living with my parent but the rent isn’t in my name all the bills are though but only since July this year. The house market where I live we could get a nice house for about 50,000 we wouldn’t be able to make a big down payment but want to take out only a ten year loan and could afford an interest rate up to 9%. We have heard the are going to extend the 8,000 first time home buyer tax return till April next year which would be nice for paying off the home early but we would definitely like be in a home before next summer and 8K would be nice too but what things I should do to try to get this accomplished. Would getting a credit card with an annual fee and always paying the balance be a good idea because I thought the cards you have to pay to have are a scam or didn’t report to the credit bureaus; and how do I get pre-approve and would this be a good idea at this point or would it be a waist of my time and make my score worse?

Will my bad credit drag down chances at a mortgage?

My wife’s credit score in one of her credit reports is 647. Friends have been telling me that 620 is enough for a first time home buyers loan, but that with a score at or near 650 a regular mortgage would probably better suit us. Now, my score is 564 after making some bad choices in college. Assuming her credit score is good enough to get approved for the mortgage, would it be better if I simply did not include myself on the app for a mortgage or would my additional income help more than my score would hurt?

How Possible is it to get approved for a mortgage with little/no/bad credit?

OK – My mom is insisting that since i would be a first time home buyer that I would qualify for a lot if I would try to get my first house. I have been SLOWLY getting bills paid off and getting things in order, but like I said it’s a slow process and my credit score – the last time I even checked it was in the 400’s. Is it even possible for me to be qualified for anything? I don’t want to waiste my time or get my hopes up for something that can’t happen.

Is it easier 2 qualify 4 a mortgage,even with bad credit,if there's quite a bit of equity built into the price?

My husband and I both have fairly bad credit. Our scores are both in the low 500’s. We would like to purchase a foreclosure which is currently priced at less than half it’s appraised value. Could the built in equity help us to qualify for a mortgage? We are both first time home buyers.
The home is valued at 0,330.

The asking price is currently ,000.