<prompt> Human: My partner and I are looking to buy a two bedroom condo. The condo is 265,000 and I solely will be putting a 53,000 down payment 20, and together we will be applying for a mortgage for the remainder.We are looking for a two bedroom because we are in our late 20s together for 7 years, lived together for 5. We plan on getting married and having a kid within the next 5 years, so a two bedroom seems to be more plausible for us. In addition, our thinking is that two bedrooms seem to be easier to sell, and we do not feel that the cost of a one bedroom makes enough of a difference. Financially Im a little worried. Not about monthly payments, but for being approved for a mortgage. I currently make 55k, Im on a 5 year contract which guarantees me a 5k raise each year in September. This does not include bonuses which Im also guaranteed for at 2k or more a year or overtime which I do work when given the opportunity - about once a month. Due to some health issues last year my credit score has dropped from 720 to 625. Im currently 31,000 in credit card debt - thats 53 of my credit card utilization and the only negative factor on my score. While I have already paid off my student loans, and have no car loans, the debt seems overwhelming - Im pretty financially responsible and Im panicking. Ive been paying every penny of what is left of my paycheck after bills towards it, and Im really trying the best that I can. I have additional savings for any emergencies about 10k and Im wondering if I should just wipe the whole thing out to pay off debt. My domestic partner who I will be applying for the mortgage with is a federal employee making 45k a year. This does not include overtime, though with a federal job that is few and far between. He is currently 13k in debt. It was formerly credit card debt, but he took out a debt consolidation loan through his federal credit union and got a very low rate. So while he has 0 credit card debt, he currently has a 13k loan. We are attempting to set up a financial adviser through his union, but in the mean time I wanted to pick some of the brains of this group of financial geniuses. Do you think its possible for us to get a 200k loan for this? Are there some immediate actions that we could be taking in order to better our chances? I know this is the age old have six months worth of income vs its more important to have no credit card debt debate for this sub, but what do you think is best for me in this situation? I am having a hard time debating it myself, so Im open to any ideas. I have also been contributing about 10 of my take home pay to my savings. Is it best to leave this 10k where it is and stop contributing to it for now? Being young, unmarried, and without children all things Im hoping the future will change I have never not saved money, so Im having a hard time allowing myself not to save. To be clear Im not as worried about the monthly spending because of my minimum debt to income ratio. While I know it will take me an entire lifetime to pay off my debt paying only minimums, my minimum payments are about 11 of my take home pay. The condo has a 740 monthly fee which includes property tax, snow removal, lawn maintenance, water, heat, cable, and internet. This leaves my only other bills aside from the mortgage obviously to be: electricitygroceriesmy phone - which my company pays forgas - I commute to work which is paid for by my company - I drive my car about once a week and pay about 20 a month for gas if that All of my remaining money and tax returns will essentially go towards paying down debt. This is the same for my partner as well.  <response>: 1. Use your down payment money to pay off your credit card debt.2. Save the down payment money back up. 3. Get married.4. Buy a condo. 