First of all, congratulation on your very good credit score. I used to be a lender, but nowadays your credit score is not as important as your debt to income ratio & assets. As we have learned in the past, it is very simple to manipulate credit scores with good habits and tricks.
My preferred lender can approve you for 50% debt to income ratio. Say you make 4k a month, that means your total monthly obligations (principal & interest, home insurance, property taxes, credit card payment(s), loan payment(s), etc.) cannot exceed 2k per month. In most cases, they will average the previous 2 years plus the current year to date income... however, if you have received a recent raise, there is room for the underwriter to be open minded and give you the higher income, and you can usually achieve this with compensating factors.
If you are not already working with a Realtor, I'd love to talk to you to see if we are going to be a match. 3 things can happen, 1. We connect and work together, 2. I like you, but you go in separate directions or 3. You like me, but I decide not to take you as my client. Either way, I would like to entertain the possibility if you contact me.
Hector R. Gastelum
Realty Executives Dillon