Lets see…. you are willing to spend up to 900K and put 100K down. That would make it a 800K loan.
That would put you in a jumbo loan, you are way over the standard conforming and new “jumbo” conforming limits in the mid 500s
If I were you, I would wait and save for a bigger down payment and likelihood of lower prices next year. There is still a huge spread between a conforming and a jumbo. Current rates are mid to high 7%
You will get ripped off going with jumbo loans when 30yr conforming are approaching under 5%. I hope you both have stable dual income jobs in good industries. You should be able to save quickly for a large downpayment if so.
