Must consider reliable alimony, child support, or separate maintenance payments, if you choose to disclose this information. A lender may ask you for proof that this income is received consistently. Cannot require you to have a co-signer for the loan, if you alone meet the lender's standards. Must accept as a co-signer, if one is needed, someone other than your spouse, if you so choose. Not everyone who applies for a mortgage will get one.
Lenders can use factors such as income, expenses, debts, and credit history to judge applicants.
But there are steps you can take to ensure that your application gets full consideration. Make sure to show the lender all information that supports your application. For example, stable employment is important to many lenders. Perhaps you've changed jobs recently, but have been employed steadily in the same field for several years. If so, provide that information on your application.