Here is a home we have on the market in Albany right now......... http://www.1113keyroute.com
Windermere Rowland Realty
I do not recommend that you over extend yourself financially. I understand that you really like the house in Lafayette, but from my experience in working with buyers, you'll find one just as nice when you are in a better position to make an offer.
Feel free to email me and I would be happy to give you some referrals for loan brokers that my clients have worked with in the past and have been quite pleased with their performance.