How to Get Pre-Approved for a Mortgage in 2026

What if you think you can't qualify for a mortgage this year, but you're COMPLETELY wrong? 🏠💸 In this video, I reveal the exact qualification numbers lenders actually use — not the scary myths keeping good buyers on the sidelines — plus three strategies to get approved even with imperfect credit. 📚 What You'll Learn: • The real DTI ratio requirements: 43-45% for conventional, up to 55% for FHA loans • Credit score truth: You DON'T need perfect credit (580 FHA, 620 conventional minimum) • Down payment reality check: Why 20% down is the BIGGEST homebuying myth • Income verification secrets for W2 employees AND self-employed buyers • The 6 deadly mistakes that kill mortgage approvals (even for qualified buyers) • Document checklist to get pre-approved fast in Oregon, Washington, and Idaho 🚫 Stop believing you need 20% down payment 🚫 Don't let credit score myths keep you renting 🚫 Avoid the costly pre-approval mistakes that sabotage good applications 🔥 Ready to get pre-approved and stop throwing money away on rent? If you're in Oregon, Washington, or Idaho, drop your biggest mortgage qualification question in the comments — I'll show you exactly what it takes to get approved in 2026! ✌️ See what you can get pre-approved for, book a FREE consultation today: https://www.nwmortgagebroker.com/ Matt Jollivette #MortgageApproval #HomeQualification #DTIRatio #CreditScore #DownPayment #FHALoans #VALoans #PacificNorthwest #MortgageBroker #FirstTimeBuyer #PreApproval #OregonMortgage #WashingtonMortgage #IdahoMortgage