You can always get a mortage if you have a steady job. It is the RATE at which you can get it at that is the key. Yes, you can wrap your debt into the mortgage. My wife and I wrapped $40,000 of debt into the mortgage at 5.25% annual interest rate. So that $40,000 debt we were paying 16% on we now pay 5.25% on it (along with the rest of the mortgage, of course).

A condo under $150K should be no problem. They might want a little more than $10K down, though. Maybe more like $15K or $30K down.