As the title suggests: why do I keep hearing people can’t qualify for a mortgage? Two years ago at 24, 4 months into a new job in a new state with no prior home ownership/rental history I qualified. My only debt was 6-figures of student loans. I put zero down on a new home and qualified with no hassle. This isn’t a humble brag, I just genuinely don’t understand what is precluding “so many people” from qualifying for a mortgage. Perhaps it’s not as widespread as it seems, or maybe there are other conditions contributing to that problem.