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💡 Qualification isn't just about having the money; it’s about proving you can handle the monthly commitment over the long term. To give you more specific advice, could you tell me: Are you a first-time homebuyer ? What state or city are you looking in? Do you have a specific price range in mind?
No recent bankruptcies, foreclosures, or major late payments. ⚖️ Debt-to-Income (DTI) Ratio
Your total monthly debt payments divided by your gross monthly income. The Goal: Most lenders prefer a DTI ratio of 43% or lower.
A lender has reviewed your finances and committed to a loan amount.
Money for the down payment (3% to 20%) and closing costs (2% to 5%). 📊 Credit Health
This proves to sellers that you are a serious, capable buyer.
You’ll need recent pay stubs, W-2s, and tax returns.
This includes your future mortgage, car loans, and student debt. ✅ Pre-Approval Status
💡 Qualification isn't just about having the money; it’s about proving you can handle the monthly commitment over the long term. To give you more specific advice, could you tell me: Are you a first-time homebuyer ? What state or city are you looking in? Do you have a specific price range in mind?
No recent bankruptcies, foreclosures, or major late payments. ⚖️ Debt-to-Income (DTI) Ratio
Your total monthly debt payments divided by your gross monthly income. The Goal: Most lenders prefer a DTI ratio of 43% or lower.
A lender has reviewed your finances and committed to a loan amount.
Money for the down payment (3% to 20%) and closing costs (2% to 5%). 📊 Credit Health
This proves to sellers that you are a serious, capable buyer.
You’ll need recent pay stubs, W-2s, and tax returns.
This includes your future mortgage, car loans, and student debt. ✅ Pre-Approval Status
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