I've only used him once so far, but his price was outstanding and his quality was good (not quite great, but the value was great).

The major concern for me is the wife's school loans outstanding. 

This is where the age old advice freshly presented by @Scott Trench is outstanding, you have to live below your means and save as much money as you can.5 years ago my wife and I bought a house. 

The bank I did the refi with cut my LTV at the last minutes so my proceeds didn't cover all the outstanding credit lines. 

My agent assured me we would simply cancel any outstanding offers after we received an accepted offer.

Outstanding neighborhood.

http://www.mortgagebankers.org/files/News/InternalResource/64858_Announcement08-22.pdf No outstanding liens (e.g. purchased for cash or previous mortgage loans have been paid off) − If the property was purchased within the 6 to 12 month period prior to the application date for the new financing, the LTV ratios will be based on the lesser of the original sales price/acquisition cost (documented by the HUD-1 Settlement Statement) or the current appraised value.

We have an outstanding, more than full-service Realtor, Crystal Johnson at the Jason White Team. 

The flaw is it assumes the seller owns the property outright or your initial payment covers their outstanding debt.

On your real estate internship I think that is a great idea, Keller is a very out standing Company.