What mortgage and interest rate could we get?

Our gross income is 85-90k a year. Credit scores are average of 550 for me and 650 for her. Credit cards total about 400/mo. Car payments are 500/mo. Other misc including student loans are 300. We pay $ 1000 in rent now, don’t know if they take that into consideration. I had a few late payments going 30-60 days late while finishing nursing school. How much of a mortgage could we qualify for and about what interest rate?

Also, would we qualify for a $ 5,000 personal loan?

Thanks so much, the houses we are looking at are around 130-150k with 1k a year in taxes/insurance.

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