<prompt> Human: Hi -New to rpf so apologies if this has been covered in the past or is quite obvious, but a search didnt turn anything up.I have been looking into purchasing rather than renting because a mortgage would be just a few hundred dollars more each month than rent in the area that I would like to live. However, despite having good credit, the mortgage person Ive spoken with has said that I simply do not have strong credit history. Ive sublet rather than had my own lease for the last 2.5 years, have paid my parents to remain on their phones family plan, and until just last month had just a single credit card. I have no debt, however, and make good money for my age 25 and my city.Because of the lack of open credit lines Ive had for a year, I had to have an Underwriter at the bank approve my pre-approved mortgage amounts. And even though the computers pre-approval gave me a number that was suitable for what I was lookinghoping to purchase, the Underwriter substantially reduced that amount.Is it worthwhile to consider alternatives to the bank I was using or are these things fairly standard across all banks? Ive been working with Wells Fargo, if it matters. Would anyone recommend a specific bank if it is worthwhile to explore another?Assistant: It cant hurt you to shop around. With a proper down payment and good debt to income ratios you should not have much of a problem getting a mortgage.What is your income? How much house do you want to buy? how much of a down payment do you have? Human: My annual income is low 70,000s. Im looking at an FHA loan, so I can really only put down between 3.5 to 7.5 or so. And the loan amount I was looking for was around 330,000 - 350,000.  <response>: Thats a lot of house on 70K20 down is where you want to be in a down payment to avoid PMI. If I was doing the underwriting I would say no also. 