[ALan]

we are trying to buy a condo and we have want some advise. I have a credit score around 620-660. an auto loan paid off in the past. We have one auto loan (2 years left), one furniture loan (7 months left), and 2 low limit credit cards (500 and 300) balance over 80% but we pay off every month are all in good standard in the past 2 years. I had 3 collection (utility and medical bill) from 2002- 2006 but they were all paid off last year. The only problem is there was a 50 dollar Qwest bill was sent to collection at Jan this year without my knowledge but that was paid off as soon as I found out. And I kept all the paid off receipts. I am not going to put any down payment. what is the possibility of qualifying a mortgage loan of 180,000? if so, what is possible rate and the monthly payment?additional information: my monthly gross income is $5400 (around $65000/year) and will have a raise at Nov to $5700 (around $69000/year) (I work for the police dept so I will a raise every year. I will be making $84000/year ($7000/mo) in 5 years) Our car payment is $380/mo. Furniture payment: $90/mo. 2 credit cards with limit of $500 and $300 with 80% balance which are paid off every month. our expected monthly mortgage payment will not be over 1300 exclude HOA fee (usually around 200). and my rent now is $1300/mo.