well, i did have a certain price range in mind i think we can afford, around 120,000 to 130,000. We really only have two things to pay off and that is our cars. they are 370 and 440 a month and we cant pay them off right now. we have OUTSTANDING beacon scores so credit isnt a problem. we are currently paying 500 in rent and have plently left over each month so i know we can get a house. In october, my husband will be in his job for 2 years. I think that is a problem too. He will make MUCH more this year than last year but his job is not a salary. It is a production job and last years tax returns are not helping out much, even though they can look at his check stub and see he is making much more because they fired some people and there are not as many people doing his job. I do not remember what the DTI ratio was when we talked to a mortgage lender. I am just really confused on how we have money but we cant get a house. I know lenders cant just take our word on it, but there has to be a way to prove we have the money and wont skip out on paying our bills.