So I am leaning towards maxing out my 403(b) and then saving as much as I can.
Yes, max out the pretax contributions - if you are going for ER, the likely lower tax bracket once you retire equals a gift from the taxman today.
Always max out these contributions - do not even consider it part of your income, look at it as a tax paid to yourself.
You can consider taking funds out of the Roth IRA - you MAY qualify for penalty free distributions (first home, contributions only)
After the recent run up in the market, you have an opportunity to put the gains to good use reducing your debt. Roth IRA's are not nearly as attractive as pre tax accounts with a low retirement tax bracket - and if your retirement tax bracket turns out to be high you won't really have a serious problem, right?
Consider a 15 year mortgage or make additional payments until you qualify for a substantial HELOC (in lieu of an Emergency fund)
If you can wing this you will be in awesome shape in just a few years and with hardly any risk ever being under water with your mortgage.
I did all this minus the Roth starting about 13 years ago.
Good luck,
Peter