Qualifying for a mortgage may be more accessible than perceived, especially with a steady income and a good credit score. Lenders consider various factors, including debt-to-income ratio and employment stability, making the process more flexible for many individuals. Government-backed programs like FHA loans provide opportunities for borrowers with lower credit scores or smaller down payments. Consulting with a mortgage advisor can help individuals understand their eligibility and explore suitable options. Taking proactive steps to improve credit and financial stability can enhance the likelihood of qualifying for a mortgage.