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Unfortunately not everyone who wants to buy a home can qualify for a mortgage. Find a local lender on Zillow who can help you find out if youll qualify for a mortgage. How To Qualify For A Mortgage Sunset Mortgage Of Alabama The answer to this question is dependent on a few factors. Will i qualify for a home loan . Mortgage lenders use a complex set of criteria to determine whether you qualify for a home loan and how much you qualify for including your income the price of the home and your other debts. If you are paid a salary then this should be easy. Department of Veterans Affairs VA makes qualifying for a home loan easier for military borrowers including active-duty personnel reservists veterans and eligible surviving spouses. This calculator should be used for estimation purposes only. The most common way for retirees to get a mortgage is by qualifying based on income said certified financial planner Daniel Graff a principal and client advisor at Sullivan Bruyette Sper...