<prompt> Human: I just landed a full time job in Oregon that I am to stay until I retire. I will be making 36,000 a year. My credit is in the 600s. I just opened a secured credit card to help build my credit, as I have no debt at the moment. Paid off students loan last year. I found a house for 235,000 and want it desperately. Currently talking to family but it looks like Ill have about 20 to put down. I currently rent an apt for 965. Sound like a good idea?  <response>: You need to be making double your salary to even consider a house over 200,000. 