I guess basically you need to contact a loan/mortgage officer; however, in common sense,1. Your credit history and credit score affect what loan programs, interest rates and down payment amount may be required on your loan2. Your employment type and income history helps determine how much home you can afford. The preferred borrower works for a company and receives a regular salary or steady hourly pay3.asset stmt; Even if you are able to qualify for a zero down mortgage program, there are closing costs that must be paid when the loan closes. Some loan programs require the homebuyer to have reserves in the bank after all closing costs and the down payment have been paid..4.another thing that thing to know is that lenders can't deny you a loan based on your age. But age can factor into your mortgage equation. ... When applying for amortgage, lenders consider a borrower's creditworthiness, and this is where age may come into play.