Are those online mortgage calculators accurate?

I am so ready to move out of my rental, and according to most of the online mortgage calculators I would qualify for a loan. How much difference does your credit score make? I have been making all payments on time for over 6 months and there are a few black marks set to come off my credit report in August. Also, how are student loans viewed, as I have some student loan debt?
I just checked out an online debt-to-income calculator and it says I have a 19%. This I know is correct as the figures are very straight-forward. This is a good sign, right?
Also, I have made an appointment with my bank’s mortgage originator for tomorrow afternoon. I’m just very nervous about what I’ll learn there and I’m hoping for some reassurance. So thanks!

online mortgage is not accurate
it depends if your credit is good

Qualifying for a Chase Mortgage Modification – Nobody Qualifies

Navigating the Mortgage Maze $8.61 Confused or overwhelmed by the mortgage maze ? Industry pro Dale Vermillion explains the simple truth. Learn about wise mortgage financing, and how to avoid common traps that cost you thousands of dollars! Chapters include: – The Top 10 Mortgage Mistakes – Simple Truth about Interest Rates and APR”s – Mortgage Industry Dilemma – The Simple Truth About Debt – Qualifying for Mortgage Financing – Establishing Financial Goals – Mortgage Refinancing as an Investment Tool – Borrowing Smart – Mortgage Independence – Moving to Real Life Change

Decoding the New Mortgage Market $11.71 The housing market is in turmoil, but the silver lining is the fact that purchase prices are at historic lows. Predatory lenders waiting to exploit nave potential buyers still exist, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. Decoding the New Mortgage Market is a map to finding the best mortgage deals while navigating past potential obstacles and traps. This practical guide will help prospective buyers understand: -How new lending and underwriting rules affect today”s homebuyer -Different loan types and lending institutions -Credit issues and other qualifying factors -Creative down-payment solutions -How to reduce closing costs and other fees Because lenders and buyers alike have gotten burned in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. This book makes the search easier and more fruitful, and puts dreams of home ownership back within reach.

Qualifying for Kona $12.22 Qualifying for Kona

Qualifying Laps $10.43 Buy and sell [Qualifying Laps] at great prices.

The Qualifying Associations $160.29 Buy and sell [The Qualifying Associations] at great prices.