<prompt> Human: Is this realistic? I have 15,000 in credit card debt from previous irresponsible habits but Im getting better with my money. I assume I should pay off all debt before looking for a mortgage loan? What kind of house can I buy with my income? I live in LA County. California. Thank you  <response>: earn 36k... owe 15k... live in LA.No, I doubt it. your debt to income is terrible, your ability to provide a downpayment is probably a challenge, and at the end of the day, after you clear up the CC debt youre probably qualified to borrow maybe 100k, which Im not sure would buy you a shoe box within a few states of LA...If you move to detroit you could get a nice fixerupper on the east side... 