Thanks, that’s kind of what I was expecting. My wife would perhaps lower our income a bit, assuming they count is together since we will be both only the mortgage.

I did, I recommend asking for $65 and settling no less than 60. Just come up with some numbers. BUT what you never want to do is the first one to give the number. So keep saying , we’ll let me know what you can offer. Then come back with a higher number. Because once they’ve decided they want you they are always willing to go 5-10% higher