There are several factors that lenders consider when determining whether to approve a mortgage loan for a borrower. Here are some general guidelines:

1. Credit score: Most lenders require a credit score of 620 or higher for mortgage approval. The higher your credit score, the more likely you are to be approved and to receive a lower interest rate on your loan.

2. Debt-to-income ratio: Lenders will typically want to see that your monthly debt payments, including your mortgage payment, are no more than 43% of your monthly income.

3. Employment and income: Lenders will want to see that you have a stable employment history and sufficient income to make your mortgage payments. They may require documentation such as pay stubs and tax returns to verify your income.

4. Down payment: Lenders generally require a down payment of at least 3% of the purchase price of the home, although some may require a larger down payment.

5. Documentation: Lenders will require a variety of documentation to verify your financial information, such as bank statements, proof of income, and proof of assets.

It's a good idea to check with a few different lenders to compare mortgage options and see what you qualify for. It's also a good idea to work with a mortgage broker or a financial advisor, who can help you navigate the process and find the mortgage that's right for you.