05/29/2026
Not sure you'd qualify for a mortgage? Here's what lenders actually look at.
Most people who put off buying have one specific worry, and usually it's far more manageable than it feels. The 6 things that actually matter:
1. ๐พ๐ง๐๐๐๐ฉ ๐จ๐๐ค๐ง๐. ๐๐ฉ ๐๐จ๐ฃ'๐ฉ ๐ฅ๐๐จ๐จ ๐ค๐ง ๐๐๐๐ก. ๐พ๐ค๐ฃ๐ซ๐๐ฃ๐ฉ๐๐ค๐ฃ๐๐ก ๐ก๐ค๐๐ฃ๐จ ๐ช๐จ๐ช๐๐ก๐ก๐ฎ ๐ก๐ค๐ค๐ ๐๐ค๐ง ๐๐ง๐ค๐ช๐ฃ๐ 620, ๐๐ฃ๐ ๐๐๐ผ ๐๐๐ฃ ๐๐ค ๐๐จ ๐ก๐ค๐ฌ ๐๐จ 580.
2. ๐๐ฃ๐๐ค๐ข๐ ๐๐ฃ๐ ๐๐ข๐ฅ๐ก๐ค๐ฎ๐ข๐๐ฃ๐ฉ. ๐๐๐ฃ๐๐๐ง๐จ ๐ฌ๐๐ฃ๐ฉ ๐จ๐ฉ๐๐๐๐ฎ ๐๐ฃ๐๐ค๐ข๐ ๐ฉ๐๐๐ฎ ๐๐๐ฃ ๐ซ๐๐ง๐๐๐ฎ, ๐ช๐จ๐ช๐๐ก๐ก๐ฎ ๐๐๐ค๐ช๐ฉ ๐ฉ๐ฌ๐ค ๐ฎ๐๐๐ง๐จ. ๐๐๐ก๐-๐๐ข๐ฅ๐ก๐ค๐ฎ๐๐ ๐๐ช๐ฎ๐๐ง๐จ ๐๐๐ซ๐ ๐ค๐ฅ๐ฉ๐๐ค๐ฃ๐จ ๐ฉ๐ค๐ค.
3. ๐ฟ๐๐๐ฉ-๐ฉ๐ค-๐๐ฃ๐๐ค๐ข๐ (๐ฟ๐๐). ๐๐๐๐จ ๐๐ค๐ข๐ฅ๐๐ง๐๐จ ๐ฎ๐ค๐ช๐ง ๐ข๐ค๐ฃ๐ฉ๐๐ก๐ฎ ๐๐๐๐ฉ ๐ฅ๐๐ฎ๐ข๐๐ฃ๐ฉ๐จ ๐ฉ๐ค ๐ฎ๐ค๐ช๐ง ๐ข๐ค๐ฃ๐ฉ๐๐ก๐ฎ ๐๐ฃ๐๐ค๐ข๐. ๐๐ค๐จ๐ฉ ๐ก๐ค๐๐ฃ๐จ ๐ฌ๐๐ฃ๐ฉ ๐๐ฉ ๐ช๐ฃ๐๐๐ง ๐๐๐ค๐ช๐ฉ 43% ๐ฉ๐ค 45%.
4. ๐ฟ๐ค๐ฌ๐ฃ ๐ฅ๐๐ฎ๐ข๐๐ฃ๐ฉ. ๐๐๐ฉ๐๐ฃ ๐จ๐ข๐๐ก๐ก๐๐ง ๐ฉ๐๐๐ฃ ๐ฅ๐๐ค๐ฅ๐ก๐ ๐๐ญ๐ฅ๐๐๐ฉ: ๐๐จ ๐ก๐ค๐ฌ ๐๐จ 0% ๐๐ค๐ง ๐๐ผ ๐ค๐ง ๐๐๐ฟ๐ผ, 3% ๐๐ค๐ฃ๐ซ๐๐ฃ๐ฉ๐๐ค๐ฃ๐๐ก, 3.5% ๐๐๐ผ.
5. ๐พ๐๐จ๐ ๐ง๐๐จ๐๐ง๐ซ๐๐จ. ๐๐ค๐ข๐ ๐ก๐ค๐๐ฃ๐จ ๐ก๐๐ ๐ ๐ฉ๐ค ๐จ๐๐ ๐ ๐ก๐๐ฉ๐ฉ๐ก๐ ๐จ๐๐ซ๐๐ฃ๐๐จ ๐ก๐๐๐ฉ ๐๐๐ฉ๐๐ง ๐๐ก๐ค๐จ๐๐ฃ๐, ๐ค๐๐ฉ๐๐ฃ ๐ค๐ฃ๐ ๐ฉ๐ค ๐ฉ๐ฌ๐ค ๐ข๐ค๐ฃ๐ฉ๐๐จ ๐ค๐ ๐ฅ๐๐ฎ๐ข๐๐ฃ๐ฉ๐จ.
6. ๐๐๐ ๐ฅ๐ง๐ค๐ฅ๐๐ง๐ฉ๐ฎ ๐๐ฉ๐จ๐๐ก๐. ๐๐๐ ๐๐ค๐ข๐ ๐๐๐จ ๐ฉ๐ค ๐ฆ๐ช๐๐ก๐๐๐ฎ ๐ฉ๐ค๐ค, ๐ฉ๐๐ง๐ค๐ช๐๐ ๐๐ฃ ๐๐ฅ๐ฅ๐ง๐๐๐จ๐๐ก ๐๐ฃ๐, ๐๐ค๐ง ๐จ๐ค๐ข๐ ๐ก๐ค๐๐ฃ๐จ, ๐๐ค๐ฃ๐๐๐ฉ๐๐ค๐ฃ ๐จ๐ฉ๐๐ฃ๐๐๐ง๐๐จ.
Have a specific worry? Let's talk it through. No pressure, just clarity. Call or text 323.644.1200.
Natalie Salins, Loan Officer, NMLS #298662
Equal Housing Lender. Subject to credit approval.