See who qualifies for a conventional mortgage — credit score, down payment, DTI, reserves, and employment guidelines explained by The 2 Mortgage Guys.
See who qualifies for a conventional mortgage — credit score, down payment, DTI, reserves, and employment guidelines explained by The 2 Mortgage Guys.
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Qualifying for a conventional mortgage comes down to credit, income stability, debt ratios, down payment, and the property itself. Here is what lenders look for — and how The 2 Mortgage Guys help you clear each box.
Underwriters weigh these factors together — strength in one area can offset another.
These are common starting points — not hard guarantees. Your full file (credit history, residual income, property type, and loan purpose) determines the final call.
If conventional guidelines are tight, we still have options — FHA for flexible credit, VA for eligible veterans, USDA for rural zero-down, or Non-QM for bank-statement and unique income.
Ryan and Steve review your full picture before you shop — so you know your price range and rate options up front.
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Related guides to help you compare options and move toward pre-approval.
Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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