Lenders look over your accounts to determine whether you have enough cash to close the deal. Make sure you do before going into the buying process. Not enough income for monthly payments. However, with a good credit record, and if you can show you're already carrying more debt successfully, you might be able to convince a lender to change his mind. Too many debts.
Lenders get nervous when they see a lot of credit cards and increasing balances.
Pay off some of these debts before applying for a mortgage. Bad credit history. If you know your record is poor, try to improve it for a year or so before applying for a mortgage. No credit history. Collect telephone bills, utility payments and rent payments to show you have a record of paying on time.