In today’s housing market, it can seem impossible to find a house that you can afford, much less a mortgage that you can keep up with. If you are trying to find an easier way to afford and obtain a mortgage, you’ve come to the right place. Here are a few different factors in the purchasing process that can make getting a mortgage easier.

A Larger Down Payment

One way to facilitate the process of getting a loan is to pay a larger down payment on your home. According to Lending Tree, it can be difficult to know what amount you should pay for a down payment, so if you aren’t sure about what amount you should pay, talk to the real estate agent you’re working with or the mortgage lenders helping you. If you can financially swing a larger down payment, it will pay off in the future as your mortgage will be easier to get and your monthly mortgage payments might even be lower than usual.

Qualifying for Loan Assistance

Another factor that can make getting a mortgage easier is qualifying for loan assistance. There are various programs that provide loan assistance for people who may have difficulty getting a loan. For example, if you have a low credit score, you may find it difficult to find a mortgage lender. However, organizations like the Federal Housing Administration (FHA), are able to help you in these situations. Additionally, Murray Home Loans says if you’re a military veteran, you can qualify for a loan backed by the VA. There are various organizations that can help you qualify for a better loan, so take the time to research and look into them.

A Higher Credit Score

Lastly, another factor that will help you to get a mortgage is a good credit score. According to The Balance, lots of lenders are looking for credit scores in the 600s or 700s in order to offer mortgages to their clients. If you have a credit score in this range, you’ll find a mortgage a lot easier. That being said, if a high credit score isn’t realistically achievable for you at this time, don’t stress. As was previously mentioned, there are lots of organizations, like the FHA, that can help you to obtain a mortgage in spite of your credit score.

So, if you have been having a hard time finding a mortgage, don’t give up. Try out the different factors that have been presented to you in this article and find which ones will help you in your personal situation. As you take the time to explore all of the different options and tools available to you, you’ll be sure to find a mortgage that works for your financial situation and lifestyle.

Read this next: 3 Questions About Closing on a Home Answered