If you have ever tried to cut or trim veneered pieces like a door, you know splintering can be a problem. A solution is to use a utility knife with a new blade and a straightedge to mark the cut line deeply on both sides. Some carpenters also use masking tape before making the knife cuts to stabilize the edge and protect wood from the saw making the final cut. Most important is to have a sharp fine-toothed blade in the saw.
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.