Mortgage Guidelines & Requirements in 2021

Home buyers and mortgage shoppers tend to have a lot of questions about mortgage qualification guidelines, rules and requirements. In short, they want to know: What does it take to qualify for a mortgage loan in 2021?

In the past, those answers were hard to come by. The mortgage industry wasn’t known for its public outreach or consumer education efforts. It’s a business after all, and businesses tend to focus on marketing and profit.

That’s where we come in. Since 2010, QualifiedMortgage.org has been educating home buyers and mortgage shoppers in the U.S. about mortgage qualification guidelines, lending practices, and industry trends. We closely monitor the lending industry and report key trends and developments, right here on our website.


Featured Articles for Borrowers

We publish new content on a regular basis. Most of it is geared toward home buyers and mortgage shoppers. You can always find out latest articles in the right-hand sidebar area. Here are some featured articles we recommend reading, for starters.

Credit Score for a Conventional Loan
We analyzed the latest mortgage origination data provided by Ellie Mae to figure out the minimum credit score required for conventional mortgage loans. Most loans are going to borrowers with scores of 650 or higher, but a lot of lenders set the bar around 620.

Student Loan Debt and Mortgage Approval
In recent years, student loan debt has become a major issue in the U.S. It can also be a problem for home buyers who need to use a mortgage loan to finance their purchases. This article explores the different ways student loan can affect the mortgage qualification process.