By year's end I will have about 15k in credit card debt. I currently make between 45k-50k and am looking to get a condo under 150k with around 10k down and I am a first time home buyer. I have a very solid credit score between 700-720. What would be the best way for me to go about getting a mortgage? Would it even be possible for me to get one? Could I possibly wrap the debt into my mortgage? Please let me know if more information needed. Thanks

well, if you have that good of credit, then u probably can get just about anything.
under 150k... this might be tough depending on where you live.
i just bought a house: here is my mortgage guy- if you have questions he will be able to answer
jwright@metrocitiesmtg.com

You can always get a mortage if you have a steady job. It is the RATE at which you can get it at that is the key. Yes, you can wrap your debt into the mortgage. My wife and I wrapped $40,000 of debt into the mortgage at 5.25% annual interest rate. So that $40,000 debt we were paying 16% on we now pay 5.25% on it (along with the rest of the mortgage, of course).

A condo under $150K should be no problem. They might want a little more than $10K down, though. Maybe more like $15K or $30K down.

probalby no wrap the debt into the mortgage.
the real estate field is in a recession and continuing to decline due to many forclosures.

bank will access your debt to income ratio.

good luck