There is so much to think about when buying a new home. I am both a Realtor and a Mortgage Broker, and while I can not assist you on both transactions, I can assist you on one or the other and the great news is as we work together I have an understanding of it all!
Obtaining a mortgage can be confusing and somewhat frustrating, as there are many things that must be considered by the lender. First Step is applying. DO NOT be misled by stories that many applications will lower your credit score, this is simply untrue as the Credit Reporting Agencies do NOT punish a person for "shopping around" for the right fit and best rate!
I am available basically from morning till night and weekends to personally answer any specific questions you may have.
So far so good. Lenders consider your score, income, debt ratio and job security. Without knowing more, all I can tell you is I don't see any red flags so far. Your income and debt will cap your purchase capacity, If you want to maximize your options, pay off any debt and meet with a great local lender to explore further.