List 4 factors a lending institution might use when determining your eligibility for a home loan.?

A lending institution typically considers credit score, which reflects your creditworthiness, and debt-to-income ratio, which assesses your ability to manage monthly payments. Additionally, your employment history and income stability play a crucial role in demonstrating financial reliability. Lastly, the amount of your down payment can influence eligibility, as a larger down payment reduces the lender's risk.