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the two main reasons people donamp;#39;t qualify for a home mortgage are number one not having good enough credit that means maybe not having a high enough score or not having good enough credit quality or content like having a bankruptcy that discharged a week ago or a recent foreclosure now keep in mind there are new loans that are are there for someone who doesnamp;#39;t have any credit history so keep that in mind bad credit is worse than no credit um number two though on this list is income not having enough income to qualify and where this gets tricky is a borrower will think they have enough income letamp;#39;s say they just started getting a bonus in the last six months but theyamp;#39;ve been on the job for five years they might apply thinking they can use that bonus income to qualify but another right most likely wonamp;#39;t include that income because itamp;#39;s relatively new typically bonuses need to be around for two years so there you have it those are your top t