Fear is normal and healthy, you should be worried because honestly, things go wrong a lot of the time. 

Smiling and dialing! 

Is he healthy, in the hospital, in jail, in Brazil?

With smiles on your faces ;-) 

I smile knowing my brain still outruns what is available in mortgage apps, for now.Hope this helps explain.

Diverse borrowing history (the different types of loans) and quality of accounts(A+ issuer like Chase and large limits over $10k) will help build a strong and healthy profile that will allow you to get approval for loans and make your scoreAbsolutely stay an authorized user as this is likely giving your alot of payment history and driving the average age of your accounts way up.Hope this helps and if you want to talk through it some more always down for a chat

You'll still need a healthy ~20% down I believe, and I thought at least a full point or two above conforming investment loans. 

And that's why it's important to keep healthy reserves.

. :) I also will tell you that I could opt to drive something new, flashy, and well above the amount I paid for the used Lexus, but I choose not to because I love to practice what I preach when it comes to healthy financial living. 

For most healthy folks, they buy way more health insurance than they need.