In order to see if you would qualify for a mortgage you should speak to a lender like myself. One of the first steps to buying a home would be to speak with a lender that best fits your situation to get pre-qualified. Then when you do apply for a loan, lenders like myself will need to look at several different things if you are trying to prequalify for a loan. We will need to analyze your assets, credit, expenses, income, debt, employment, down payment, etc. Once you have a pre-approval then you can start submitting offers to houses that you would like to buy. I would recommend that you speak with a lender as soon as you can. The lender can then check out your finances to see if there is anything you would need to fix. So when the time comes to buy, you should be completely ready. Either way, the best thing for you to do is to speak with a knowledgeable lender like myself to see if you can get started on financing a new home. If you need additional assistance, feel free to reach out. Good luck!
Sr. Mortgage Banker
NMLS # 659743