We're going to be in the market to buy a house in the next 6-12 months. For house loans, how deep do they dig into your finances? Would they see the ATM withdrawals in Vegas as a red flag? My fico score is ~800 on credit karma and my wifes is the same. We both have clean credit histories and no missed payments on anything in the last 10+ years. We would like to get into a starter type of home initially and look to move up in 5-7 years unless we find a killer deal. I know nothing about this entire process so any and all info is great. We're looking to buy in the SF Bay Area market, well South Bay really because houses in the peninsula and north bay start at 1mil+ and the commute would make me go postal.