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Citi’s offerings and lending guidelines may differ.","content:disclosures:global-floating-disclosure.json","Global Floating Disclosure","disclosures/global-floating-disclosure.json",{"title":91,"subtext":7,"portraitImage":92,"imageAlt":93,"imageWidth":94,"background":95,"borderRadius":96,"maxWidth":97,"paddingTopBottom":98,"paddingLeftRight":98,"gap":98,"variant":99},"Citi is #1 in Customer Satisfaction with Mortgage Origination - ***[J.D. Power 2025 Award](https://www.jdpower.com/business/awards)***","/media/jdpower-trophy.png","J.D. Power 2025 Trophy",48,"var(--brand-default)",0,650,16,"default",{"data":101,"body":103,"excerpt":-1,"toc":159},{"title":7,"description":102},"Key insights:",{"type":104,"children":105},"root",[106,117,137,154],{"type":107,"tag":108,"props":109,"children":110},"element","p",{},[111],{"type":107,"tag":112,"props":113,"children":114},"strong",{},[115],{"type":116,"value":102},"text",{"type":107,"tag":118,"props":119,"children":120},"ul",{},[121,127,132],{"type":107,"tag":122,"props":123,"children":124},"li",{},[125],{"type":116,"value":126},"Mortgage requirements can vary based on the lender and the type of loan, but in most cases, you’ll need to meet a few key criteria",{"type":107,"tag":122,"props":128,"children":129},{},[130],{"type":116,"value":131},"As a borrower, you’ll need to meet the lender’s credit score and debt-to-income ratio requirements, as well as proof of income and employment",{"type":107,"tag":122,"props":133,"children":134},{},[135],{"type":116,"value":136},"The house you’re buying may also have to meet certain standards",{"type":107,"tag":108,"props":138,"children":139},{},[140,142,152],{"type":116,"value":141},"If the mortgage process feels like a black box, you’re not imagining it. A lot happens behind the scenes. The good news is that learning ",{"type":107,"tag":112,"props":143,"children":144},{},[145],{"type":107,"tag":146,"props":147,"children":149},"a",{"href":148},"/home-buying/articles/apply-for-a-mortgage/",[150],{"type":116,"value":151},"how to qualify for a mortgage",{"type":116,"value":153}," is mostly about understanding the same handful of factors lenders review on nearly every application.",{"type":107,"tag":108,"props":155,"children":156},{},[157],{"type":116,"value":158},"Below are the six core requirements most buyers should know before applying. Understanding mortgage loan criteria and making sure you meet them can help to significantly improve your chances of success.",{"title":7,"searchDepth":160,"depth":160,"links":161},2,[],{"data":163,"body":165,"excerpt":-1,"toc":197},{"title":7,"description":164},"Your credit score helps lenders gauge how reliably you’ve repaid debt in the past, and how risky it might be to lend to you now.",{"type":104,"children":166},[167,180,185,192],{"type":107,"tag":108,"props":168,"children":169},{},[170,172,178],{"type":116,"value":171},"Your ",{"type":107,"tag":146,"props":173,"children":175},{"href":174},"/home-buying/articles/what-credit-score-do-you-need-to-buy-a-house/",[176],{"type":116,"value":177},"credit score ",{"type":116,"value":179},"helps lenders gauge how reliably you’ve repaid debt in the past, and how risky it might be to lend to you now.",{"type":107,"tag":108,"props":181,"children":182},{},[183],{"type":116,"value":184},"Here are a few common loan types and their minimum credit score requirements.",{"type":107,"tag":186,"props":187,"children":191},"inline-table",{":headers":188,":rows":189,"table-layout":190},"[{\"value\":\"Loan Type\"},{\"value\":\"Credit Score\"},{\"value\":\"Eligibility\"}]","[{\"column\":{\"valueOne\":\"Conventional loans\",\"valueTwo\":\"620\",\"valueThree\":\"For borrowers with solid credit scores and stable income\"}},{\"column\":{\"valueOne\":\"FHA loans\",\"valueTwo\":\"500 (with 10% down payment) 580 (with 3.5% down payment)\",\"valueThree\":\"For first-time home buyers or people with lower credit and a smaller down payment\"}},{\"column\":{\"valueOne\":\"VA loans\",\"valueTwo\":\"620\",\"valueThree\":\"For service members, veterans and eligible surviving spouses looking for no down payment; requirements vary by lender\"}}]","basic",[],{"type":107,"tag":108,"props":193,"children":194},{},[195],{"type":116,"value":196},"Be sure to check your credit score early so you have time to correct errors and make improvements before a lender pulls it.",{"title":7,"searchDepth":160,"depth":160,"links":198},[],{"data":200,"body":202,"excerpt":-1,"toc":255},{"title":7,"description":201},"Your debt-to-income ratio (DTI) is a snapshot of how much of your monthly income is already committed to debt payments, and it’s an important part of figuring out how to qualify for a mortgage. A lower DTI is generally better. Many lenders prefer a DTI below 43%.",{"type":104,"children":203},[204,208,213,241,246],{"type":107,"tag":108,"props":205,"children":206},{},[207],{"type":116,"value":201},{"type":107,"tag":108,"props":209,"children":210},{},[211],{"type":116,"value":212},"These are some of the common debts included in DTI:",{"type":107,"tag":118,"props":214,"children":215},{},[216,221,226,231,236],{"type":107,"tag":122,"props":217,"children":218},{},[219],{"type":116,"value":220},"Credit cards",{"type":107,"tag":122,"props":222,"children":223},{},[224],{"type":116,"value":225},"Student loans",{"type":107,"tag":122,"props":227,"children":228},{},[229],{"type":116,"value":230},"Auto loans",{"type":107,"tag":122,"props":232,"children":233},{},[234],{"type":116,"value":235},"Personal loans",{"type":107,"tag":122,"props":237,"children":238},{},[239],{"type":116,"value":240},"Other housing payments (if applicable)",{"type":107,"tag":108,"props":242,"children":243},{},[244],{"type":116,"value":245},"Lenders care about these sources of debt because they want to be confident your budget isn’t stretched so thin that one expense knocks things off track.",{"type":107,"tag":108,"props":247,"children":248},{},[249],{"type":107,"tag":146,"props":250,"children":252},{"href":251},"/calculators/debt-to-income-ratio/",[253],{"type":116,"value":254},"To get an idea of your DTI, check out our DTI Calculator.",{"title":7,"searchDepth":160,"depth":160,"links":256},[],{"data":258,"body":260,"excerpt":-1,"toc":299},{"title":7,"description":259},"Lenders look for income that’s predictable and likely to continue, such as:",{"type":104,"children":261},[262,266,289,294],{"type":107,"tag":108,"props":263,"children":264},{},[265],{"type":116,"value":259},{"type":107,"tag":118,"props":267,"children":268},{},[269,274,279,284],{"type":107,"tag":122,"props":270,"children":271},{},[272],{"type":116,"value":273},"W-2 wages",{"type":107,"tag":122,"props":275,"children":276},{},[277],{"type":116,"value":278},"Self-employment income",{"type":107,"tag":122,"props":280,"children":281},{},[282],{"type":116,"value":283},"Bonuses or commissions (when consistent)",{"type":107,"tag":122,"props":285,"children":286},{},[287],{"type":116,"value":288},"Retirement income (when documented)",{"type":107,"tag":108,"props":290,"children":291},{},[292],{"type":116,"value":293},"Many lenders like to see an established history (often around two years), especially for employment and income patterns.",{"type":107,"tag":108,"props":295,"children":296},{},[297],{"type":116,"value":298},"If you’re self-employed, working out how to qualify for a mortgage will likely mean extra documentation (like profit-and-loss statements and tax forms), because the lender needs a clearer picture of consistency. Job changes aren’t automatically disqualifying, but they can trigger extra questions, especially if you switch industries, move from a salary to variable income or start self-employment.",{"title":7,"searchDepth":160,"depth":160,"links":300},[],{"data":302,"body":304,"excerpt":-1,"toc":349},{"title":7,"description":303},"Mortgage affordability isn’t just the monthly payment. Lenders also want to see that you can handle cash-to-close requirements.",{"type":104,"children":305},[306,310,339,344],{"type":107,"tag":108,"props":307,"children":308},{},[309],{"type":116,"value":303},{"type":107,"tag":108,"props":311,"children":312},{},[313,315,321,323,329,331,337],{"type":116,"value":314},"A 20% down payment is often cited as a good number to aim for, but depending on your credit score and loan type, you may be able to put down less. 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(Select markets only and income limitations may apply.)",{"type":107,"tag":108,"props":340,"children":341},{},[342],{"type":116,"value":343},"As for the closing costs themselves, a common planning range is 2–6% of the purchase price (not including your down payment), though you may pay more or less depending on your loan and location.",{"type":107,"tag":108,"props":345,"children":346},{},[347],{"type":116,"value":348},"Lenders like to see you’ll have some money left after closing, which reduces the likelihood of missed payments.",{"title":7,"searchDepth":160,"depth":160,"links":350},[],{"data":352,"body":354,"excerpt":-1,"toc":397},{"title":7,"description":353},"Lenders don’t just check that you have funds, they take the additional step of verifying where the money comes from and whether it’s accessible.",{"type":104,"children":355},[356,369,374,392],{"type":107,"tag":108,"props":357,"children":358},{},[359,361,367],{"type":116,"value":360},"Lenders don’t just check that you ",{"type":107,"tag":362,"props":363,"children":364},"em",{},[365],{"type":116,"value":366},"have",{"type":116,"value":368}," funds, they take the additional step of verifying where the money comes from and whether it’s accessible.",{"type":107,"tag":108,"props":370,"children":371},{},[372],{"type":116,"value":373},"Common asset documents include:",{"type":107,"tag":118,"props":375,"children":376},{},[377,382,387],{"type":107,"tag":122,"props":378,"children":379},{},[380],{"type":116,"value":381},"Bank statements (checking and savings)",{"type":107,"tag":122,"props":383,"children":384},{},[385],{"type":116,"value":386},"Retirement account statements",{"type":107,"tag":122,"props":388,"children":389},{},[390],{"type":116,"value":391},"Brokerage or investment account statements",{"type":107,"tag":108,"props":393,"children":394},{},[395],{"type":116,"value":396},"Also, be prepared to keep your bank activity boring in the weeks leading\nup to your application—large, unexplained deposits can slow things down.",{"title":7,"searchDepth":160,"depth":160,"links":398},[],{"data":400,"body":402,"excerpt":-1,"toc":423},{"title":7,"description":401},"You’re not just qualifying as a borrower. The home itself has to qualify as collateral.",{"type":104,"children":403},[404,408,413,418],{"type":107,"tag":108,"props":405,"children":406},{},[407],{"type":116,"value":401},{"type":107,"tag":108,"props":409,"children":410},{},[411],{"type":116,"value":412},"Most mortgage transactions involve an appraisal, which is an independent assessment of the property’s value. A lender may require an appraisal, and you’re typically responsible for the cost.",{"type":107,"tag":108,"props":414,"children":415},{},[416],{"type":116,"value":417},"Some loan programs also have property-condition standards. 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Different home loans have different criteria and prerequisites.\"},{\"question\":\"What is the minimum income to qualify for a mortgage?\",\"answer\":\"There’s no universal minimum income to qualify for a mortgage. Lenders look at your overall financial picture as well as the amount you’re looking to borrow to see whether you may qualify.\"},{\"question\":\"What is the minimum credit score to qualify for a mortgage?\",\"answer\":\"It depends on the rest of your financial picture as well as the type of loan you’re applying for. For instance, FHA loans accept credit scores as low as 580 with a 3.5% down payment. 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For advice about your specific circumstances, you should consult a mortgage professional and refer to the information and disclosures provided to you by the lender you choose regarding its products and services.\n\nTerms, conditions and fees for accounts, programs, products and services are subject to change without notice. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S. Certain restrictions may apply on all programs.","content:disclosures:default.json","Default","disclosures/default.json",{"_path":595,"_dir":84,"_draft":6,"_partial":6,"_locale":7,"content":596,"slug":597,"_id":598,"_type":78,"title":599,"_source":80,"_file":600,"_extension":78},"/disclosures/spanish-language-disclosure","\u003Csup>†\u003C/sup>Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.\n\n\u003Cspan lang=\"es\">Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.\u003C/span>","spanish-language-disclosure","content:disclosures:spanish-language-disclosure.json","Spanish Language Disclosure","disclosures/spanish-language-disclosure.json",{"data":602,"body":604,"toc":615},{"title":7,"description":603},"This page provides general information regarding mortgages or home equity lines of credit. Citi's offerings and lending guidelines may be different. This content is for educational purposes. It is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. For advice about your specific circumstances, you should consult a mortgage professional and refer to the information and disclosures provided to you by the lender you choose regarding its products and services.",{"type":104,"children":605},[606,610],{"type":107,"tag":108,"props":607,"children":608},{},[609],{"type":116,"value":603},{"type":107,"tag":108,"props":611,"children":612},{},[613],{"type":116,"value":614},"Terms, conditions and fees for accounts, programs, products and services are subject to change without notice. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S. Certain restrictions may apply on all programs.",{"title":7,"searchDepth":160,"depth":160,"links":616},[],{"data":618,"body":620,"toc":643},{"title":7,"description":619},"†Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.",{"type":104,"children":621},[622,633],{"type":107,"tag":108,"props":623,"children":624},{},[625,631],{"type":107,"tag":626,"props":627,"children":628},"sup",{},[629],{"type":116,"value":630},"†",{"type":116,"value":632},"Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.",{"type":107,"tag":108,"props":634,"children":635},{},[636],{"type":107,"tag":637,"props":638,"children":640},"span",{"lang":639},"es",[641],{"type":116,"value":642},"Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.",{"title":7,"searchDepth":160,"depth":160,"links":644},[],{"data":646,"body":648,"toc":654},{"title":7,"description":647},"620",{"type":104,"children":649},[650],{"type":107,"tag":108,"props":651,"children":652},{},[653],{"type":116,"value":647},{"title":7,"searchDepth":160,"depth":160,"links":655},[],{"data":657,"body":659,"excerpt":-1,"toc":665},{"title":7,"description":658},"Conventional loans",{"type":104,"children":660},[661],{"type":107,"tag":108,"props":662,"children":663},{},[664],{"type":116,"value":658},{"title":7,"searchDepth":160,"depth":160,"links":666},[],{"data":668,"body":670,"excerpt":-1,"toc":676},{"title":7,"description":669},"For borrowers with solid credit scores and stable income",{"type":104,"children":671},[672],{"type":107,"tag":108,"props":673,"children":674},{},[675],{"type":116,"value":669},{"title":7,"searchDepth":160,"depth":160,"links":677},[],{"data":679,"body":681,"excerpt":-1,"toc":687},{"title":7,"description":680},"FHA loans",{"type":104,"children":682},[683],{"type":107,"tag":108,"props":684,"children":685},{},[686],{"type":116,"value":680},{"title":7,"searchDepth":160,"depth":160,"links":688},[],{"data":690,"body":692,"excerpt":-1,"toc":698},{"title":7,"description":691},"500 (with 10% down payment) 580 (with 3.5% down payment)",{"type":104,"children":693},[694],{"type":107,"tag":108,"props":695,"children":696},{},[697],{"type":116,"value":691},{"title":7,"searchDepth":160,"depth":160,"links":699},[],{"data":701,"body":703,"excerpt":-1,"toc":709},{"title":7,"description":702},"For first-time home buyers or people with lower credit and a smaller down payment",{"type":104,"children":704},[705],{"type":107,"tag":108,"props":706,"children":707},{},[708],{"type":116,"value":702},{"title":7,"searchDepth":160,"depth":160,"links":710},[],{"data":712,"body":714,"excerpt":-1,"toc":720},{"title":7,"description":713},"VA loans",{"type":104,"children":715},[716],{"type":107,"tag":108,"props":717,"children":718},{},[719],{"type":116,"value":713},{"title":7,"searchDepth":160,"depth":160,"links":721},[],{"data":723,"body":725,"excerpt":-1,"toc":731},{"title":7,"description":724},"For service members, veterans and eligible surviving spouses looking for no down payment; requirements vary by lender",{"type":104,"children":726},[727],{"type":107,"tag":108,"props":728,"children":729},{},[730],{"type":116,"value":724},{"title":7,"searchDepth":160,"depth":160,"links":732},[],[],1783618665588]