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Honest question…if you don’t “qualify” for a home is it mainly because of credit score?

I see so many posts on here talking about how they pay rent for a decade and never missed a payment never been evicted etc. That also say they cannot qualify for mortgage. If you are buying a main home, especially a first home, you typically don’t need more than .5% down payment. What is it that folks are qualifying for?


I see so many posts on here talking about how they pay rent for a decade and never missed a payment never been evicted etc.

That also say they cannot qualify for mortgage. If you are buying a main home, especially a first home, you typically don’t need more than .5% down payment. What is it that folks are qualifying for?

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