<prompt> Human: My wife and I just relocated to GA for my job. Heres our situation:Me: 27y, 805 credit scoreHer: 27y, 800 credit scoreTotal debt: 93k student loan, land loan in home state, autoTotal income: 150k annuallyLiquid assets: 50kWe bought our house in Arkansas in 2014 for 179k and sold in June for 215k. Our current rent payment is 1450month here in Savannah. We found a house outside of town for 240k and decided to try an online pre-approval with Rocket Mortgage before going to see the house.We were pre-approved for 119k...Am I missing something here? We had more debt and a 50k combined income in 2014 when we were pre-approved for 230k. Edit: Im aware that its not pre-2007 and banks arent handing out cash like candy. That doesnt explain why Im apparently half as credit worthy as I was in 2014 despite my financials vastly improving.  <response>: Definitely look around and get pre-approvals from multiple companies. Your credit score and income are great. It may be your debt to income ratio that is holding you back. 93k even with 150k in total income is not the best. Of course you may find a lender that is more lenient with this so shop around! 