Your debt-to-income ratio along with other factors, including your credit scores, and if you are a first time home buyer, all influence the type of loan and how much of a loan you can acquire when purchasing a home. It is recommended that you speak with a reputable lender. You could also find a reputable local realtor who can put you in touch with a trusted lender. They can also assist you in your search for a home and answer any questions you may have.
I hope this helps!
Katarina "Kata" Ford
Associate Broker, Realtor
Direct: (424) 241-6975
COLDWELL BANKER RESIDENTIAL BROKERAGE
451 Manhattan Beach Blvd, Ste D220
Manhattan Beach, CA 90266