[Jae M]

Im looking to buy a loft and the ones Im interested seem to be in the neighborhood of 310-370k. I make 60k a year and have a 40k downpayment. I assume I have a good credit score as I have 1 visa with a 1500 dollar limit that is paid off for everytime I use it and I've also payed off a 20k car loan (made 2 years worth of payment on time then payed the rest off). According to what I've read you're typically approved for 3x your annual income which would make me eligible for a 180k loan + 40k for a total of 230k. Is there anyway I can be approved for the 310-370k price range im looking for though?I don't have any debts.