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Credit & Qualification
Lenders evaluate your credit, income, and debts to decide if you qualify. These guides explain what matters and how to improve your approval odds.
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Credit & Qualification
What Credit Score Do You Need to Buy a House?
Minimum scores by loan type, what score gets the best rates, and how to improve your score before applying.
Credit & QualificationDebt-to-Income Ratio Explained: How Lenders Decide What You Can Afford
DTI measures how much of your income goes to debt. Learn the 28/36 rule, how to calculate yours, and how to improve it.
Credit & QualificationHow Lenders Calculate Your Income for a Mortgage
Gross vs. net, base vs. bonus, self-employment vs. W-2. Learn exactly what income lenders count and what they do not.
Credit & QualificationGetting a Mortgage When You Are Self-Employed
Self-employed borrowers face stricter income verification. Learn what documents you need and how to improve your approval odds.
All Credit & Qualification Guides
What Credit Score Do You Need to Buy a House?How Credit Scores Affect Mortgage RatesDebt-to-Income Ratio Explained: How Lenders Decide What You Can AffordFront-End vs Back-End DTI: What Is the Difference?Getting a Mortgage When You Are Self-EmployedBuying a House With Student Loan DebtHow Lenders Calculate Your Income for a MortgageEmployment History and Mortgage Approval