<prompt> Human: Hello,I plan on applying for a mortgage next year in Philadelphia I am from NY and plan on moving to Philadelphia.I make 75,000 a year self-employed and my wife makes 30-35K. I have 3 years of reporting the same amount, but my wife she works at cheesecake since January of 2017 this year as a server and I am not sure if I can utilize her income for this coming year taxes.How much would I be able to afford with a 100,000 downpayment no debt and would I be able to use my wife income?  <response>: Are you asking if you can afford it, or are you asking them if you can get approved for a loan? 