First: It feels amazing to be doing better than average after the last decade of being broke as shit. Only had this good job for the last year, and it has been amazing.

Second: What's the <42% mortgage test? I didn't know that was a thing. I think we're under that, but I'll have to do the numbers.

I like credit karma, I'll have to look into the net worth. I don't think I've noticed that before.

I doubt our income is below anything that would qualify us for much. My wife and I make ~150k. We have friends that have done the no down payment (or 5% down payment) and they've suggested we do that since it's going to be our first house. I realize that's still a possibility, but I'm trying to buy a house in the most financially responsible way possible, so I'm aiming for 20% even if I come up short. I've also seen a lot of 80/10/10 comments on here. Maybe I'll aim for a 80/15/5 or something.

I don't know much about refinancing student loans. Something I read made it sound like they'll just do a weighted average of all of your loans which doesn't really help much. All the moderate-high ones are federal loans through mygreatlakes. My credit score is over ~850, and my wife's is close to 800. I was fucking beaming when we got a car loan and I saw how high my credit score was.

I've considered renting a house, but we don't really wanna move all our shit into a house just to move a couple of years later. That's why we're kind of pushing towards the house (and with interest rates so low now, I'm worried they'll go up). We're also thinking about kids within the next couple of years and would really like the extra space.

Thanks for all the help. I've never been financially literate and only recently been making enough money to need to know what to do with it.