Answer: -Dont think this will help but we recently bought a car, and the finance guy said its easier to get a home loan because they can come take it away easier than a car. Also on anything you buy a big down payment does lower your monthly payments. -It is possilbe to get a reasonable intrest rate with stats like that but you need to have an excellent underwritter for the morgage company to get that. -Congratulations to the debt-free world. So long as you've got cash, speak to a bank of finance company to see how much are they willing to loan you and this is if you still need to borrow. However, what's the deal about owning a house? Most house owners land up being broke mid-way and still stuck with debts. You just got out of one and entering into another? -Yes you can. Save your money until you have a nice big down payment. If you paid off all of your debts, your credit score will show that it is paid. This should raise it quite a bit. Buy a place that you think you will be in for many years. Or, buy a fixer-upper, fix it and sell it for a profit. Or, can keep and rent it out. You have several options with the high income you are making now. Depends on your ability in the do-it-yourself category. Enjoy.