Mortgage Qualifications
Understand the factors that lenders consider when approving mortgages. Learn how to improve your chances of qualification by optimizing your credit score, debt-to-income ratio, and down payment.
Articles in Mortgage Qualifications
How to Get a Mortgage in Arizona with Fair or Improving Credit
Learn how buyers with credit scores between 580 and 660 qualify for home loans in Arizona with FHA programs and rapid rescoring.
Who Qualifies for a Reverse Mortgage? Understanding Eligibility in Arizona
A complete guide to HECM reverse mortgage eligibility rules, age requirements, and equity qualifications for Arizona seniors.
Conventional Home Loans vs. FHA Loans: Which Is Right for You?
Detailed side-by-side comparison of credit score rules, down payments, PMI vs. MIP, and total 30-year costs for Arizona buyers.
Will Commissions Count Towards a Loan?
Can commission and bonus income help you qualify? See FHA, VA, and Conventional requirements for using variable income on a home loan.
How to Count Commissions and Bonuses and Tips
Learn how lenders count commissions, bonuses, and tip income for Conventional, VA, and FHA loans—and how long of a history you need.
If I have 1 Mortgage Late in the Past 12 Months, Can I Get Approved for a Mortgage?
One late mortgage payment doesn’t always mean denial. See how FHA, Conventional, and VA treat 30-day lates—and what underwriters look for.
Getting a Mortgage with Employment Gaps
Learn how employment gaps can affect mortgage approval and what Conventional, FHA, and VA loan programs require.
Can I simply payoff credit cards to qualify for a mortgage?
See how Conventional, FHA, and VA guidelines treat paying off credit cards—and whether you still need to close the account to lower DTI.
Which Is Better: Getting a Mortgage As a Couple vs. As a Single Applicant?
Compare applying for a mortgage as a couple versus a single applicant and understand how underwriting may treat your credit.
Can I Relocate and Get a Mortgage While Working Remotely Out of State?
Learn how to qualify for a mortgage while working remotely, meet lender requirements, and secure financing when relocating to a new state.
How a Rapid Rescore Can Help You Qualify for a Mortgage
Learn how a rapid rescore can quickly update your credit profile, boost your score in days, and help you qualify for a mortgage.
DSCR Loan: The Best Alternative to Hard Money
Learn how a DSCR loan works, why it's a great alternative to hard money, and how investors can qualify without personal income verification.
Check Your Qualification Options
Speak to our loan specialists to review your credit score, income, and debt-to-income ratio.
Get Pre-Approved →