How much would I need to pay off my on credit card to be apporoved for a coneventional loan?I have excellent credit score. No debt, only one high credit card bill...monthly payment $200 and that's the only bill I have. I make between 27000-28000 a year but my lender says my debt ratio is to high for a conventional loan. Even if I open a personal loan with payment installation, I still can't exceed payment over $200. I am per-approved for FHA but I'm looking to buy a condo and all the condos in Sun Prairie are not FHA approved. I can buy a single family home but I'm a woman with little knowledge of handy man work. I don't have anyone here so it'll be hard for me to maintain a home on my own.I am commuting an 1 hour and 1/2 every day and I need this asap before it gets cold and snowy. I don't want to rent cause I got robbed while renting. I don't have much time life so what should I do?September 21 2012 - Town of Sun Prairie00YesReport 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.