How old do you have to be to get a personal loan?

personal loan
I just wanted to know the age required to get a personal loan, or what ever its called when you get a loan for personal use, not a car, colledge, or house loan.

What is the best type of mortgage loan for the lowest monthly payment?

mortgage loan
30 year fixed? 2/1 ARM? I need a loan with no PMI and low points and the lowest possible mortgage payment a month. What Im working with:

Credit score 600
Annual assets (Salary) 34500
Monthly Debt: 70
House loan amount: 106000
Available to put towards closing costs (Including down payment) 12000

Any ideas?

Can I include the expenses to repair the house into my mortgage loan?

mortgage loan
We are planning on making an offer on a 100 year old house. But it needs a lot of repair work…plastering, wiring etc. How can I take the loan for that? Should I include it with the mortgage loan or should it be a separate loan?