@JayKanon: Still to poor to get a better computer, so the project is still on hold.

There are a number of game engines out there. Some cost 100's of thousands of dollars. Others are free or cost very little.

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Try these game engines:

Realmcrafter: $165
This is the one I was using. It is under development. Price is expected to go up after final release.
Realm Crafter=

Microsoft XNA: FREE and other license terms.
Build Xbox Games, PC Games, Windows Phone 7 Apps,
Must install Microsoft Visual C# Express
XNA Developer Center
Microsoft XNA - Wikipedia, the free encyclopedia

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You will need something to make your models. Try this free editor, TrueSpace. It is the best free editor out there. In fact, before Microsoft bought them out and made it free, I paid $370 for it.
3D Modeling Software - trueSpace