I'm not a mortgage person, I'm a Realtor. There are a lot of things that the mortgage lenders look at when they consider whether or not to loan you money to buy a home. They look at your overall income, your assets, your debt to income ratios, if you pay your current rent on time, if your current landlord has had any problems with your payments, etc. I would suggest that you call a reputable mortgage lender and talk to him/her to find out what you can qualify for. If you would like the names and phone numbers for some reputable lenders call me at 314-660-4803. I would be happy to give you the information on some excellent lenders.