Mortgage survey?

My husband and I are first time buyers and I’m looking for a good mortgage. I called you on some credit unions, information obtained planning, but I noticed that I have no idea what to have to ask. I know I want to know at a fixed rate, but I must ask?
I went to try an idea from my local credit union, how a mortgage before I can approve, and the response was much less than what I expected. When she was calculating our totals, she said that our debt was reduced our monthly loan options. My question is, should I cut on a consolidation loan to make monthly payments or throwing money at the problem and try to reduce the amount of my total debt, although I can not afford to remove all actual bills to concentrate.

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