What Qualifies You To Buy A House May 2026

You can sometimes qualify with a score as low as 500–580.

This proves to sellers that you are a serious, capable buyer. what qualifies you to buy a house

No recent bankruptcies, foreclosures, or major late payments. ⚖️ Debt-to-Income (DTI) Ratio You can sometimes qualify with a score as low as 500–580

A lender has reviewed your finances and committed to a loan amount. capable buyer. No recent bankruptcies

Lenders typically look for two years of consistent employment.