It is very important to qualify for mortgage if you are interested in purchasing house. some people can easily buy the home by paying cash right at the spot but for others, installments and loans are the only option that they can use if they really want to buy the home in years. 
It depends on the lender what terms and conditions he applies you when dealing with the matters of mortgage and payment of installments and interest. It is totally dependent on lender that he approves or disapproves your approval application.
Below are some factors that can guide you if your lender thinks that you qualify for the mortgage or not .
Credit score
Credit score is the most important factor that a lender will consider before he approves your application. if your bank credits are clear and your bank statement has no bad credit ratings, you are qualified for the house mortgage. in order to ensure that your credit sheet is clear, you have to review it after short time period. sometimes, there are chances of errors which can be omitted easily if you consult your financial institution.
Existing Debts
Your current debt amounts can create hurdles for your house mortgage qualification. if you want to qualify for the house mortgage, it is very important to pay some of them first and then send the application to the lender for approval.
Current job or Employment
Like all other financial matters, for house mortgage it is considerable point for the lender that at what position you are working right now. most of the times, your payment capability depends upon your earnings and if the mortgage agencies think that your current job income makes you capable to repay the amount, they feel no hesitation in approving your application but if you are unemployed there are very few chances of qualifying for house mortgage.
Lender factor
Another important factor is lender. about eighty percent of the approval of application for house mortgage is dependent on the lender. it is better to find a trust-able lender for house mortgage.
If you keep in mind these basic issues before applying for the house mortgage, your application will get approval and definitely you would qualify for the house mortgage.
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