What Lenders Look For
Master the four pillars of mortgage approval and boost your chances of getting the best rates
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Income & Employment
Your ability to repay the loan
What Lenders Evaluate
- Stable employment history (2+ years preferred)
- Consistent income from primary job
- Additional income sources (bonuses, freelance, rental)
- Future earning potential and job security
Pro Tips
- Don't change jobs during the mortgage process
- Keep detailed records of all income sources
- If self-employed, maintain clean business books