A few things you need to know,...
A job you have been on for 2+ years locally to the property you plan to live. exception 6 months if salaried.
Income vs Debt
Many Lenders ask, " what payment are you comfortible paying? i.e. How much has your rent been? Too much credit card, car, student, debt could be a problem.
Credit Score
All three credit scores are run and the center score is looked at along with past 2 year derogitory info. Tax Leins may be an issue.
HINT do not run out and pay off your credit cards right away and think your credit score will shoot up. Consult with a Loan agent who has experience.
Abilibty to repay the loan
The lender wants to know if you will have a job next year or will you be alive for that matter.
There may be other items that impact your ability to get a loan. The best way is to go meet with a Loan Broker and bring with you
2 years taxes, 2 years w-2's, 2 months bank statements, 2 months pay stubs, and any other financial info. Know what your payments are as well. Car credit card, everything you normaly pay. This will help you in figuring out what you can afford and keep you from over extending yourself.
This Charts Below are courtesy of Larry Iest a Local Loan Broker.