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To qualify for a mortgage, you have to be able to make a down payment of ten percent. You also have to show that you have been at your current job for at least one year and at your current address for three or more years. It′s also a good idea to have some extra money in a savings account. Your account balance should be equivalent to about three months of your normal take-home salary. All these things assure the lender that you will be able to make your monthly mortgage payments.