how to get a mortgage?

me and my wife have been trying to buy a house for a while now. we decided that a for closed is the best opinion at this time because of the economy. between us we found houses for 40,000 to 50,000 we have 10,000 and a paid off 2004 celica and a paid of 2003 Honda accord that we can use as collateral. we also have 780 credit scores , how can we get a mortgage for a house like that

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