<prompt> Human: 23 years old21-25K yearly incomeI have 5 credit cards nearly maxed out for a total of around 5k owed.Im almost 2 years into a 72 month car loan. I still owe just under 8k.100 on time payment history for every account on my credit history.Oldest account on my credit is 5 years old. The newest is just under 2 years.My credit score is low 600s.Id be looking to get approved for a mortgage for 120k or less. Theres a ton of move in ready 2-3 bedroom homes in my area in that price range. I currently live in a 3 bedroom apartment that costs 775 a month plus utilities so my mortgage would possibly cheaper than that.If there was anything i could do to increase my chances what would it be?Edit: Dont bother telling me if its reponsible or not. My mortgage payment would be less than my rent, and i already have several thousand in savings, adding more every week, with a plan implemented currently to pay down my credit card debt starting with the highest interest one first and working my way down. I should be down to a balance of less than 30 of my limit across all cards in less than a year. I know how to manage my personal finances, i do not know much about mortgages.Edit 2: I probably shouldve mentioned that my goal is to have a house by the beginning of next summer so i do have time to improve things that are holding me back.Assistant: Youre far from being ready to buy a house responsibly. Pay off all your debt and save 20 for a down payment first.Human: I didnt ask that. If i applied for a mortgage, would they say yes?  <response>: I highly doubt it. Your debt to income ratio is very high, and coupled with the low credit score any pre approval you might get would be under horrible interest rates. 