<prompt> Human: Hi there PF. Thanks in advance for any help or insights.I got divorced in 2008 and we lost our house to foreclosure. However it didnt hit my credit until 2012. Now here I am, making 15-17K per month and I was just given a 25K bonus to be paid out over 12 months, starting next month. My Credit Karma scores are 773 and 775. The only negatives on my credit scores are 1 late car payment back when I was in grad school, about 4 years ago, and the stupid foreclosure. Im remarried and my husband is working on improving his score, its low 600s due to him not being consistent with his student loans this was before we met. Otherwise hes great with money and makes about 110Kyr. We have 200K saved for a down payment, the majority of which comes from him selling his old house when we moved in together. Our rent is 1600, car payments 300, student loans 950 me and 200 him. We barely use a rewards card and carry no balance. We mostly cook at home but eat out 3-4 timesweek. The problem is we want a house in a neighborhood where they are going for 600-800K, and apparently I can only get an FHA loan! And the max amount is 270K. So our top price is now 470K. This seems so unfair because we could easily afford the home we want. Does anyone have any suggestions?  <response>: Youve defaulted on a mortgage before, so thats part of the problem. As well I would think making that salary you should knock out the student loans as fast as possible. Without viewing anything else in your finances, Id say you should pay off the loans before trying to buy a 700k home. 