Underwriters want 720+, 2 years of clean payment history, and DTI under 43%.
No new credit applications in the 90 days before applying — every hard pull is a red flag.
Keep documentation: 2 years W-2s, 2 months statements, 2 most recent paystubs.
Build & Maintain
Mortgage-Ready Score
What underwriters look for above the 3-digit number.
Lesson 4 of 6 ~75 min