<prompt> Human: Hello world,Im trying to figure out why purchasing a home in south florida seems so out of reach for me at the moment. I make around 47Kyear with no debt, only 750 in rent living with gf, 4K in savings and have excellent credit 750. My familygf is heavily encouraging me to go out and buy a place because Im throwing away money by renting which to some extent I agree, the problem is anytime I go in for a pre-qualification letter I get 200K4.25 APR at most Which includes a 30K gift from my father for closingdownpayment.Ive been reading the stickies to budget my life better since I currently only save about 50 a month and with my non-existent debtlow rent I should be easily putting away a lot more. However, I have 4 months to make a decision as to whether we move or continue to rent and Im having a hard time understanding how people with similar income are living in these large homes.More importantly, the areas I want to live in near city are easily 250-300K for anything decent and leaving the city means a 1.5-2hour commute each way which is brutal as it is right now.I currently rent with my GF 1,100sqft for 1700month and Im trying to avoid the buying jointly until we are married but I would love to purchase something I can call my own and have her move in. What steps do you recommend for my situation?  <response>: I mean, its a pretty obvious answer. You make enough to get qualified for a 200k mortgage. You want a 250-300k house. That means you need to either start making more money or saving significantly more to knock off a decent amount of the mortgage. Make more or save more or aim lower. 