If you are not against it check on a home out of town you should be able to get more home, especially being in a college town. 10-15 years mortgage no more. Loan is basically off current debt/income ratio. Find the best rate and cheapest cost everybody seems to do home loans these days. All loan sources will give you a sheet with all cost. If estimated cost are not listed request them or move on to next source. Most important use an older more experienced closing attorney and verify all the terms are as discussed or don't sign until as agreed.
