how do people qualify for a $600,000. home loan?

I am looking into buying my first home. The med. price for a home in my areae is $ 600000. When I use the mortgage calculators available on line, I can only qualify for a $ 195,000. home loan.( can you buy anything for that price?) I make $ 90,000.00 a year. I don’t understand how anyone can qualify for mortgage with the standards they use. I

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