I would make sure that you get a qualified home inspector in on this one, but everything else looks good.

I would get pre-qualified to price you are serious about purchasing.

While I do very little tax work anymore and am not taking any new clients I'm still licensed to practice and am very failure with real estate investing in qualified plans.  

@Gary FreidmanOK...I'm a bit cynical these days toward wholesalers, so I'll qualify this first statement with that admission.  

Unless you or your spouse are in the military and can qualify for a VA loan.

The answer is that it depends on a few factors:Type of loanHow long you've held the loanIf you've paid on timeHere are some good articles from The Mortgage Professor on this topic:Cancelling Private Mortgage Insurance (1)Cancelling Private Mortgage Insurance (2)This article contains the procedure for putting in a "qualified written request" with your servicer so you're not getting the run-around with people over the phone:Is There Recourse Against Bad Mortgage Servicing?

Unfortunately, without a job you probably wouldn't be able to qualify for a mortgage.

Most young people I know are not focused.Without credit, you are going to have a hard time qualifying for a loan.

If one can qualify.....

I have read and researched about getting started and have even made my first step in going into a bank and getting a credit checked to see if I am pre-qualified for loans.