Answers to Common First-Time Home Buyer Questions: What do they look at when determining if I qualify for a home loan? When you apply for a home loan, they will look at your credit score, your debt-to-income ratio, your employment history, your down payment options, and other financial information. Thankfully you don’t have to figure this out on your own, a professional lender will walk you through the process. If you’re ready to get started, reach out and I’ll help you get started.