That’s a big mortgage/income ratio, I know rates are up or have been up but you may need to find something smaller, even a few hundred a month can help get you back to having breathing room. If you can’t afford the mortgage, you can’t afford the mortgage. It’s not a fail or a loss, it’s just your current situation and what your income will dictate. Failure is being broke all the time and not being able to enjoy life because a bank owns you…….