Pruning ground covers is usually necessary only to remove unhealthy tissue or awkward or straggling branches, or to keep a plant from becoming too invasive. Vigorous ground covers include honeysuckle, goutweed, snow-in-summer, wintercreeper and English ivy. Certain plants--such as honeysuckle, pachysandra, euonymus and English ivy--should be mowed or cut back to 5 to 6 inches in height every year or two to keep the beds vigorous, neat and more pest free. Be sure to use sharp cutting equipment.
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.