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Credit Cards - Amount of credit cards, amount of credit for yourself to me is also one factor. Your ability to pay your mortgage is founded on what your present payment requirements are. Car loans, financial information payments, student loans are all added to your monthly formula. When those totals exceed certain parameters you may not be inside a buy the house of your dreams because you will be limited all of the amount a bank or Mortgage Company will extend to your business. The headlines in the Albuquerque Journal dated March 9,