If you own the property with your spouse, he or she may be asked to sign documents allowing you to mortgage the property. A creditor may consider your immigration status and whether you have the right to remain in the country long enough to repay the debt. This also applies when the property is being appraised. Questions about expenses related to your dependents are permitted. Strengthening Your Application Not everyone who applies for a mortgage will get one.
Lenders can use factors such as income, expenses, debts, and credit history to evaluate applicants.
There are steps you can take to ensure that your application gets full consideration. Give the lender all information that supports your application. For example, stable employment is important to many lenders. Perhaps you've recently changed jobs but have been employed steadily in the same field for several years. If so, include that information on your application.