Just a few years back, there was very little available under $100K for first time buyers. Now with HUD offering $500 down FHA mortgages with $2,500 buyer incentives, her house payment on a $50K home will be less than she would pay to rent an apartment, much less a house with a garage and basement!
If you've got good credit with stable employment, it's a really great time to buy. The above incentives are only good through September 30th.
Not every agent is able to help with HUD homes, so make sure you're working with an agent whose brokerage is approved by HUD to submit electronic bids.