Credit & Qualification

Credit, income documentation, and qualification requirements.

Pre-approval means a lender has reviewed your finances and conditionally approved a loan amount.

Learn the steps to get mortgage pre-approved: documents, timeline, and pre-approval letter.

Learn what documents you need for a mortgage: income, assets, identification.

Lenders verify income through documents and employer contact. Learn how it works.

Lenders verify assets through bank statements. Learn how it works and how large deposits are handled.

Lenders verify employment through pay stubs, W-2s, and employer contact. Learn how it works.

Pre-approval and prequalification both estimate how much you can borrow. Learn the key differences and when each matters.

Learn about prequalification, what it means, and how it helps you understand your options.

Income documentation and qualification options for self-employed borrowers.

Credit score requirements vary by loan type. Learn typical ranges for conventional, FHA, and VA.

Learn the DTI formula, what counts as income and debt, and front-end vs back-end ratios.

DTI is a key factor in approval. Learn how lenders use it and typical limits.