I’m with trex, 345k mortgage on 100k+, it’s tight but that’s how it is when you are young and you buy a house, with ebay and craigslist today, you can cut some corners. Then I read the rest of the article and they took an 85k second mortgage, so they financed the whole thing. They also aren’t that young, where has the money been going all these years. No matter what, borrowing 4.5x your income is too much.