The amount of down
Your credit score
Your credit history
Your length of employment
The value of the house
To name a few. Work with a professional local direct lender and you will know what your options are.
Your mortgage approval is based on three factors: Income, Assets and Credit. Your Mortgage Banker must qualify you on all three of these important components to a successful mortgage loan application. IF you are qualified across this spectrum then you will find the loan process smooth and easy.
If you are weak in one or more areas then you'll find it more difficult to obtain financing or maybe even impossible. Be sure to work with a reputable local Mortgage Banker.
Happy house hunting !!!