Can I get a mortgage loan?

I would talk to a lender most likely first from a reputable bank and have them run some numbers for you. Figure out if you are going to apply for a FHA loan or conventional loan. Most likely you will do the FHA loan which only requires i believe 3% down versus the conventional loan which requires 5% down or more. It does not take them long to give you a preapproval. Just remember that is only the start, make sure you have funds saved up at least $5k for all the other expenses- application fee, earnest offer, home inspection,etc yes even for a $90k house.