Would I be turned down a good mortgage loan?

I’m a divorced mother of two. I make 46,000 a year, $ 10,000 worth of debt and a credit score of 710. I’ve been told by “people” that I couldn’t get a good interest rate b/c of my debt. I’ll be looking for a home (I’m renting now) come February. Am I condsidered a bad risk?

I’m behind in my payments and not comfortable negotiating with the bank myself.

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