To qualify for a home loan, lenders consider your front-end ratio and back-end ratio, says Borie. Your front-end ratio considers how much you'll spend on the cost of your mortgage principal, interest, taxes and insurance. Generally speaking, the sum of these costs cannot exceed 33 percent of your gross monthly income. Most conventional loans want it right around 28 percent, Borie says.
On average, withdrawal from Xanax lasts 2 months or more. A good rule of thumb I like to go by is the 90 day rule for any psychiatric medication. In most cases, withdrawal symptoms subside by the third month of not taking the medication.
To answer your question 15-20 min you will begin to feel effects. Although it is concerning you mention a 5mg Xanax pill, Xanax only comes in .25mg, .5 mg 1mg and 2mg pills. All would take effect around the same time period though and last approximately 4 hours depending on tolerance.