Needing a cosigner may be because of credit OR income. So having good credit but not enough income may look like a risk.
The first thing to do is look at what you can afford and see if it really can work. When you buy a house it includes the mortgage and the taxes, but you also need to really look at the utilities and budget and repairs.
Also, if the house is two or three family, that could help with some expenses.
I reviewed all three of your questions. I have several questions to ask you in order to help you. I work in Orange County and I am familiar with Newburgh. I have an early appointment tomorrow( Sat, 10/26) but you can call me anytime after 10:30 a.m. I look forward to helping you with your home purchase.
Keller Williams Realty