I am trying to figure out if I would qualify for a $ 275,000 loan and if not, I would like to find a ballpark figure for what I would anticipate being approved for in the state of Texas. I am 30 and married with 2 kids (wife is a homemaker), first time home buyer, have a very minimal amount to put down (under $ 10,000). My credit score at last check was around 650-675. My income after taxes is about $ 4,000/month, and pay $ 650 total each month in credit card bills and student loans ($ 400 which is mine, $ 250 is my wife’s and she probably wouldn’t be on the loan since she doesn’t have an income). I currently rent and pay $ 1700 (would prefer to keep my monthly mortgage + taxes and insurance under $ 1700). Thanks!