Hi Bobby. Sorry you are disappointed nobody had responded to your question. I think the main reason for the lack of response is that it's really difficult to advise you about the specifics in an online forum. Your best bet would really be to connect with a mortgage professional in your area as they'll be able to run you through all your options. I personally think that you'd probably be better off getting the loan in just your name if you can do so as the interest rate will be much better than what it will be if you have to use your wife's score. The problem that I see is that you only have $30,000 down which means that you either have to pay PMI or get a 80/20 first and second loans to avoid PMI. Unfortunately, the interest rate for the second will be significantly higher than for the first. I think that you may not be able to qualify for a house in your desired price range based on only your income because of the overall debt to income ratio. It might work if you did not have the $600 car payment. Again, I would schedule an appointment with a mortgage broker and they can provide you with different loan scenarios fairly quickly. Good luck to you.