Water new shrubs once a week the first summer with 5 to 10 gallons of water for each depending on the size of the bush. Take care to get the water under any mulch, which absorbs a great deal of moisture and robs the soil below. Pour water right down the stems so it goes into the root ball, and does not run off on the ground. During very hot sunny days, spray the tops and water lightly in addition to the weekly deep watering. Do not fertilize the first year, except possibly for half strength liquid fertilizer at planting time, or plant rooting hormone additives one can use. Fertilize normally the second year in the spring.
The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. According to the FHA, monthly mortgage payments should be no more than 29% of gross income, while the mortgage payment, combined with non-housing expenses, should total no more than 41% of income. The lender also considers cash available for down payment and closing costs, credit history, etc. when determining your maximum loan amount.