right, so my husband doesnt have a great credit but we are planning in buying a home. I have a steady job working for over 2 years makes about 50ish a year and i have 775 credit scores. Under my name i have car loans and i use my credit cards often and pay them full in the end of the month. Why did i get such a low loan pre approval? I dont understand…. i was expecting at least 200k. oh and i have no debt.