What mortgage loan can you be approved at in Florida 2012 with two $30k incomes? I know it is case by case situation. My husband has a 814 credit score. Mine was a 554 and I have brought it to a 627 in 4 months. We would like to start building a house in March 2012 on an acre we just purchased in July. We are wondering the amount of money we could be approved before we actually START talking to lenders. We make around $30-$32k a year.. each. We are smart and will never max ourselves out but just wondering so we can start getting serious about gathering ideas,plans. We will roll about $15k from our property into the mortgage also. It was appraised at $38k.. we owe $27k and will get the acre down to about $15k before building. Thank you so much! -Ready to BuildFloridaNovember 01 2012 - New Tampa00YesReport 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.