help with mortgage loan?

i have heard so many different things about how credit is judged that my head is spinning. one thing i have heard is that credit cards should be under 30%….well what if they arent? does that disqualify you automatically? my total allowable credit is $ 7,800 and Im currently using $ 2831.70…..on the other hand my husband has $ 3000 allowable credit and is using $ 2451.78. his credit isnt as good as mine. will they look at my husbands credit and say no or is there a shot since my credit is decent? i feel so lost..

Register New Account
Reset Password