Do I Qualify With a Huntington Beach Mortgage Broker? When you meet with a Huntington Beach mortgage broker, most lenders boil approval down to five points: Credit score Steady income Debt-to-income (DTI) ratio Down payment or home equity A property that meets guidelines How loan rules differ Conventional loans like scores of 620 + and DTI below 45 %. FHA or VA loans let many Huntington Beach buyers in with lower scores and smaller down payments. Jumbo, investor, and non-QM loans set their own rules; some use bank statements or rental cash flow instead of tax returns. Fast track to answers Every program weighs these factors in its own way. A quick pre-approval from your Huntington Beach mortgage broker shows exactly where you stand and which loans fit best. Share five minutes of info, and we'll send clear options - no pressure, no hard sell - straight from a local Huntington Beach mortgage broker you can trust.
