<prompt> Human: I am 28 years old and my wife is 23, we have been married over 5 years and we live in the USA. Right now she works part time and is taking classes part time while I work full time. Her college is paid for by grants. Together we reported 38K last year on our taxes. This year well likely report around 40k, also my boss gives me a cash bonus of 50 a week that isnt on my check stubs, Im not sure how to go about reporting that without getting him in trouble. She has no credit. She cant even get approved for a secured credit card. When we submitted an application for a car, we would have been denied if she was on the app, so I applied alone. My scores are all about 723 right now, which is a low point in my credit history. Without her income, I could only claim about 33k. We live in Texas, so 100,000 house is nice, and thats about the range wed like to look at Were paying 850m on an apartment. I have a couple of credit cards with small balances that I pay off each month, And one with a larger balance that Ill have paid off soon. We have two cars that we own, and no other financial obligations except utilities. We dont have any government assistance. Coming up with a down-payment has been hard. What do you think the chances of us getting a loan in this situation? We know we could afford it, but its convincing the loan people that we can.  <response>: One key piece of info missing from this post is how much money you have saved up for a down payment, and if the answer is 0 then how much you project you could have saved up with your current budget in a few years. Trying to buy a house without a decent sized down payment is not a smart idea, likely why it would be hard to convince a loan person to loan you money. 