From Rents to Roots:

Income & Debt: What Lenders Look For

Wondering if you make enough to qualify for a home loan? We’ll show you how lenders view your income, debts, and what really matters when it comes to getting approved.

💼 Understand What Counts as Income

Not all income is treated the same when it comes to getting a mortgage. Whether you’re salaried, hourly, self-employed, or a mix of everything, this quick guide breaks down what lenders look for and how to prepare.

What you'll learn:

  • ✅ The difference between qualifying and non-qualifying income

  • 🧾 What documents you’ll need for each income type

  • 📈 How your income factors into what you can afford

  • 💡 Special considerations for self-employed or bonus-based income

How Much Home Can I Afford?

Ready to stop guessing and start planning? This simple, fill-in-the-blank worksheet will help you understand what lenders look for, how your income and debt stack up, and what kind of home you might be able to afford.

  • Estimate your buying power

  • Calculate your debt-to-income ratio

  • Get clarity on down payments and savings

Download the Buying Power Worksheet

Are you even ready to buy?

Know you're ready? Let's talk.

Schedule a free 15–20 minute call with a loan officer. We’ll answer your questions, review your numbers, and help you map out your next move—no pressure.

🏡 View All 4 Steps

NMLS # 2396714

Equal Housing Opportunity

(385) 955-5167