I want a mortgage I'm a first time buyer and would I be able to get a mortgage when I get a wage of 1100 a month

First you'll need to find a home you like and that you can afford the down payment on. Then you talk with your realtor and the bank about the mortgage.

1100 per month would equate to about $50,000 in purchase price (give or take a few thousand). I don't know where you are located, but if there are homes that sell for around that price point, you should be able to obtain financing with even little to no money down. Here in chicago, you can only purchase a home in this price range in the worst neighborhoods... and even then, the home is likely to need several thousand dollars of work/repairs.

A person who makes $1100.00 per month cannot afford to buy a house. Any lender willing to give a mortgage to someone with this income are the same lenders responsible for the US mortgage crisis. The math is simple. You need $300.00 to eat and 200.00 to get somewhere. You need $150.00 + for property taxes. You have to pay utilities at a minimum $200.00. What is left? $250.00. You cannot buy a large shed on a piece of property for $250.00 per month. When you have paid $250.00 for the next 25 years, you will not be able to give the place away.

Lets look at this realistically. A mortgage payment of $250.00 gets you a $40000.00. A $40000.00 is probably more than 50 years old. In 25 years, the house will be 75 years old. A 75 year old house usually not in the best of locations will depreciate rather than appreciate in value. You will end up paying $75000.00 for the $40000.00 house. Even if a $40000.00 holds its value, it will cost you 8% to sell it leaving you to pay $75000.00 for something worth $36000.00. You would be better off putting $150.00 per month into some 25 year retirement plan that averages 6% which would give you a net return of over $75000.00

There are 4 reasons to buy a home. Investment... Pride of Ownership... Esthetics... Stability. Buying a $40000.00 provides none of these.

You might consider taking the $250.00 and as suggested paid $150.00 into some retirement plan. With other $100.00, you might invest in an upgrade of your skills either through education or trade school. With triple the income, you might be able to buy a house that you can pay for over 10 - 15 years at substantially less interest.

Use your head not your emotions. Whatever you can pay into a tax shelter home ownership plan over the next five years gets you a down payment. That is the route to go. Don't buy just to say you own your home. You really don't. Rather than renting from the landlord, you rent from the bank.