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There are a lot of mortgate calculators (How can I afford) online. If you do a quick search you will find a lot of them. The price she's telling you seems to about right from what I can calculate based on your situation. So it seems like you will need more of a down payment or a bit more income. I know you mentioned you just switched jobs so this is unlikely
Being approved for $154,000 on a $60k income actually sounds about right for the high end. My first mortgage almost 15 years ago was for $160,000; back then I made around $60k and it was a struggle.
Familiarize yourself with how debt to income works.
You’re are either going to have to increase your income, save more down payment, reduce your other debt, or buy “less house”
Your debt ratio is only 44%?? Your lender appears to be like the majority of strict ones out there (but worse) Instead of them.following Fannie Mae, Freddie Mac or FHA guidelines, they make up their own.
Its amazing to how ridiculous some of these lenders are. Unless you dont need the money, you might want consider keeping your 3k and call a different lender. If youre going conventional, the allowable dedt ratio is 50% If its FHA, it can go up to 56.9% which happens all the time. (Mod cut-This is considered solicitation and is prohibited on this board, thank you for your understanding)