Besides credit what else is looked at before a mortgage loan is approved?

Employment and income verification.

Verification of cash on hand in bank accounts, to see if the applicant has sufficient funds to cover down payment and settlement costs.

Appraisal of property condition to see if it meets the lenders requirements, and property value to see if it will support the purchase price and requested loan amount.

credit to dent ratio, ability to pay back, w2 from last two years, yrly income and monthly income and bills, how long you been on job and rental history

Your income!

Down payment,Income, time at job and other debt.

Generally your payment for a prospective house loan cannot be over about 30% of your gross monthly income. 28% or less is better.

Just a few:

* Down payment % of purchase price

* Where did the down payment come from? (Is it a recent gift? Potentially a loan hidden as a gift from a relative?)

* The appraised value of the house. They won't give you a loan if you're overpaying for the property as if you default then they won't be able to get their money back.

Income, debts, job history, your down payment, other investments, any other assets, any other liabilities, whatever else they might think they need to see in order to feel comfortable loaning you a large sum of money.

Here are some:

Income of borrower

Income history of borrower

Employment of borrower

Employment history of borrower

Debt of borrower

Assets of borrower

Legal judgments against borrower

Active lawsuits and criminal charges against borrower

Down payment amount

Down payment source

Appraisal

Homeowner's Insurance binder

Title search

Title insurance binder

Property tax account

Location of property

Purpose of purchase (owner occupied, rental, business use, etc.)

income, job stability, other debt, the house you want to buy