<prompt> Human: I am 23 years old and have enough for a 3 down payment. I work for a Bank who gives its employees 1500 off closing costs. My fiancé is a full time student so I plan to purchase the home alone. My ideal range is 90k to 120k. I make roughly 46k a year, and have a 2.9 debt to income ratio. My credit score is 724715724 with 2 hard inquiries reporting to my credit. I have never had any derogatory marks either. My revolving credit utilization is 14 because I figured carrying a minimal balance cant hurt. I know loan officers cannot descriminate because of the fair lending laws so I am hard pressed to trust their advice-- help?  <response>: Save up 20 for the down payment.sincerely,Richard Nixon 