Not if you want a good deal. Unless you buy on contract from a seller.
Yes.
Yes, in order to obtain a mortgage you will be required to have a good credit record.
If you want to buy a car or house you need good credit. Some employers run a credit check to determine if you are responsible. Insurance companies run a credit check for you to get insurance.
It will depend on how good your credit is and what you want your payments to be. If the price of a house is $100,000 and your credit is good and your fico score(this is your credit score) is 660 or higher You will need to put down 5%-10 % or $5,000 - $10,000 plus closeings cost of another 4% or $4,000.00 so if your credit is good you will need to save 9% -15% of the cost of the house you want to buy. Now if you have bad credit, you should clean up your credit before you buy. With bad credit your intrest rate will be high and your house payment will be high.
Some things are - A job, money for down payment and good credit.
you must restore your credit.
You do not need any special financial certifications to just buy a house. A good credit score will help though as it will help you qualify for a lower interest rate.
If one has bad credit then one can only buy a house if one can convince the mortgage lender that one is able to pay for it. This might need proof that one is paying off any debt and clearing the bad credit record efficiently.
no you can not
Pay cash.
No, you do not get tax money (or a tax credit) when you buy your first house. As of July 2013, the tax credit for buying your first house is no longer in affect.
You need either enough cash to pay the selling price or a down payment, a good credit history and a steady job.