Getting PrequalifiedI recently got pre-qualified for a loan. My husband and I have good credit and we have one income of $87k. We are interested in buying something in Davis, for various reasons. My issue is that the letter of pre-qual says we are only qualified for $275K, although realistically we can qualify for more. He is basing this on a house payment almost $1000 less than the max payment we can actually qualify for. He says he doesn't recommend us "pushing it" considering our rent is fairly low at this time- $1,100. We have a very low debt to income ratio as well . My concern is that the housing prices are already pretty high in Davis and increasing it seems. I am concerned that we will not find a property for that price & secondly that if we find something higher that we will have problems because our pre-qual is too low.Any advice?April 27 2013 - Davis00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.