First time home buyer

[Eli Mohrland]

Looking for advice on mortgage types that can be manually underwritten. My girlfriend and I are looking to buy our first home possibly in the Bozeman MT. area. We have atleast 10 grand to put down and would be happy in anything liveable with a yard. While we have "ghost" credit we have been renting for three years paying far more than we would be with a mortgage, we have no debt, bachelors degree and own a newer SUV worth around 22,000. Wondering if any loan would make sense or if the advice would be to continue renting. Frankly we are fed up with riding the rental market and paying other people's mortgages.