<prompt> Human: A 600k home is my only option around here and I dont want to move.I make 20k a year,I saved 40k so far.I have no debt.I have okay credit.I am 31 years old.How do I go about getting this done, alternately what are my options.  <response>: No bank or anybody else will lend you money for 600K home with 20kyear income. If you wanna keep on living there, your only option is renting. 