<prompt> Human: Hello guys, So I have recently started to make above living wage and am beginning to escape the poverty line. I live in Syracuse N.Y. My question would be could I be considered for a mortgage? My debts are as follows.18k car 2016 Jeep Cherokee1k student loan.My income.Before tax around 4,000 every 2 weeksAfter tax its around 2800 makes this every 2 weeks until decemberYTD 39,948YTD After takes around 30,000It varies considerably from as little as 1000 every two weeks in the off season Jan. Feb. To a high of 3600. I claim 0 on my taxes as a single white male aged 23.My assets.07 f150 paid for02 f150 paid for6k Roth ira 5k in my checking account.Current bills.Rent 490Internet 65Car insurance 200Car payment 400Fuel 100Food 250Car payment is taken care of by my girl friend. Been together 5 years. So the situation is my girlfriend is moving up and I need to upgrade my living arraignment. Rent for a decent to nice place is around 850 to 1200. Plus utilities so realistically 1000 to 1400. 3 down on a home of 100k would make monthly payments of 840 a month.So should I rent or buy?Thanks in advance. Sorry about formatting on my phone.  <response>: You arent yet ready to buy a house. You need to have an emergency fund and more money saved for closing costs. It is unrealistic to plan on buying a home if you only have a few thousand dollars saved. I suggest you rent for at least another year, and in that time, try to save as much as you can. 