Your credit score and debt-to-income (DTI) ratio are the primary factors for mortgage approval. Conventional Loans: Usually require 620+ .
Typically require 620–640+ for automated approval, though VA has no set federal minimum. requirements to buy a home in florida
Expect to provide the last two years of W-2s or tax returns , plus recent pay stubs and 2–3 months of bank statements. 2. Upfront Cash Requirements Your credit score and debt-to-income (DTI) ratio are