First, you'll need a credit rating that the lender deems appropriate for home loans. Your credit score will be the loan provider's first consideration. Second, you'll need proof that you have a stable income, one that's high enough to handle repayments. Lenders will want to compare your income to the value of the loan. Third, home equity lenders will want to assess your debt-to-income ratio. If you're too bogged down by debt, they could reject your loan application. Your debt-income ratio should be below 40%. You may also need to show: - Proof of ownership of your home - Mortgage details - A recent home appraisal