questions about home buyingI am wanting to apply for a home loan jan. of 2015. I have many questions on how to prepare credit and financials to get ready. I figure I would start now to make sure my home buying will be as seamless as possible.1. I have 2 old (3years) delinquencies for utilities on my credit, should i pay them off or not?2. I have a self employment income for breeding dogs plus a full time job. With my self employment income what will I need to verify it and how far back will I need? I heard 2 years tax returns.3. I have about 30k in student loans, would it be better to pay them off or have 30k for a down payment?4. My husband filled bk last year and has a huge garnishment (75k) that he pays monthly on so he will not be applying with me but he has a car in my name that he pays out of our joint bank account. Will I have to include that in my debt ratio?5. I made 45k last year and plan to make about 55-60k in 2014 with a student loan payment of 330 and if i have to count the 280 car payment, possibly a 20-30k down payment, about what price range should I be qualified for?I am planning on buying in the salem or area....thank you for your time!December 03 2013 - Salem00YesReport 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.