To qualify: keep credit ~620+, show steady income, keep DTI in range (paying down debt helps), and gather your down payment and closing-cost funds. Gift funds and assistance programs can help.
Strengthening your file
Lowering revolving debt improves both your DTI and credit. Documenting steady income — or using a bank-statement program if self-employed — rounds out a strong file. We’ll pre-check everything before you shop.
Funds for down payment
Gift funds from family are widely allowed, and down-payment assistance can bridge the gap for eligible buyers. We’ll identify every source you can use.
Frequently asked questions
Can I use gift money for my down payment?
Yes — most programs allow documented gift funds from family. We’ll handle the paperwork.
How do I lower my DTI?
Pay down credit cards and avoid new debt before applying. Even small reductions can help you qualify.
What if my credit needs work?
We’ll review it and suggest quick, high-impact steps — sometimes a small change unlocks a better rate.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.