JC with 65k a year you will have a hard time buying a house anywhere in the USA. You have to earn more money!

Anyone that took a loan they can not afford I do not feel sorry for and couldn’t care less if they lose the home.
Its the family that has their life savings into a home only watch it fade away only to find themselves upside down 200K even if they have only a 100K mortgage at 5% for 30years that family lost 200K and that is not right!!!!