<prompt> Human: I have begun looking into purchasing my first house. Im seeking advice on which route to take . Background: Age : 27Salary : 56kDebt : CC 1500 LIMIT 8K Student Loan :18k 170month Auto Loan : 19K 292month 5 years remaining Rent : 965water etc. 1030 monthCREDIT SCORE : 765Current Cash in Bank with Savings : 28KIve been renting on my own for four years and dont have any sort of cosigners on auto or student loan. My questions : What is the likelyhood ill be approved for a loan ? Im seeking a house for 150K and I can put down 10-15kI will be engaged this time next year. We have discussed buying the house together before we are married. Her Financial status : Salary : 36KCC Debt : 1200Student Loan : 8KNo Auto Loan : Her Current Savings total with Checking Acct. : 22k CREDIT SCORE : 750Neither one of us have any investments . We live together in a small one bedroom apartment and each save about 1000 a month.Reside in Texas. Is it better to buy the house together, or just me buy it ?Thanks !  <response>: You currently have a near zero or even negative net worth. Probably doesnt make sense to be buying a house when youve still got the student and auto loans and cant get a 20 down payment. Not saying you wont be approved, but its a lot of debt to take on.I would be wary of buying a house as a couple until youre actually married. If something falls through, it gets messy. I bought a house with my fiancee, but it was 100 in my name. I didnt charge her rent for the few months we lived there unmarried, but if its a longer term thing, its something to think about in terms of both a relationship and a clear financial situation. 