We just finished up applying with 12 different mortgage lenders. Only ONE asked us about information on our credit reports. Questions such as, "how much do you pay each month, is your car payment really that high, how often do you make extra payments?" Questions like these helped us get a 255K loan, and keep in mind that we make around 100k total together.

We explained to them that we pay off the credit card in FULL every single month, and pay $40 extra towards our cars. Everything else is about to be paid off in the next 3 to 4 months and we'll be debt free. At any rate, I have been throwing extra payments every month to pay down loan balances to make ourselves look less risky to lenders. (all of my loans, except for my car, are interest free)

All this to say, and I'm not even sure where you're at, we're in Austin, Texas but moving to San Antonio, that we both had significant savings about 50K combined, and a gift of 85K that is being used for a downpayment. Our credit scores are both 775+ and we got a really good deal. But that deal was able to be offered because I was able to drive uber/lyft, donate plasma, and work after school to throw at my stupid debts.

I hope yall are able to get your loan and home eventually, though! but pay off that debt BEFORE applying anywhere, and wait until your credit scores update.