<prompt> Human: I make 37,800 a year. Wife makes 37,000. I have never borrowed money and have never used a credit card. I just prefer to buy things with cash. My wife had 32,000 in student loans which we paid off in 11 months. The only bills I have to MY name is my phone bill and car insurance bill. What are my options on a mortgage loan? If it matters, I live in Tennessee.Thanks, everyone.  <response>: 1. Rent2. Meanwhile, save up for a 20 down payment3. Meanwhile, improve both your and your wifes credit scores. See the links that the AutoModerator provided. 