Just I just go for it or wait until this summer?Here's the situation... My credit score is in the 730s according to two different credit agencies. I have 10K in savings to go toward a down payment. No car payment or credit card debt. I owe about 60K in student loans and pay about $400 a month on that. I am single and make around 53K a year. I've been at my current job for a little over a year. I've gotten one promotion and I'm getting a raise 11/1/12 and a promotion on 5/15/13. My lease is ending in February. Should I take the plunge now and try to close as my lease ends? Or wait until this upcoming summer when my earnings will be higher and I'd possibly qualify for more? (2009 tax return earnings only 36k, 2010 tax return 55k I add this because I know mortgage lenders want to see 2 years of tax returns)Thanks for your advice.October 28 2012 - Corona00YesReport 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.