Are you ever too old to apply for a mortgage loan? The legal answer is a definite "no." But the realistic answer is complicated. Consider this example: You’ve searched for years, but you’ve finally found your dream home in your dream community. Problem is, you need a mortgage loan to finance the purchase of this residence.

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Before the housing crisis of 2008-09, it seemed that anybody with a pulse could get a mortgage (or two or three). Lenders pushed "sub-prime".

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How much can I borrow? We calculate this based on a simple income multiple, but, in reality, it’s much more complex. When you apply for a mortgage, lenders calculate how much they’ll lend based on both your income and your outgoings – so the more you’re committed to spend each month, the less you can borrow.

For Fannie Mae loans, you can get a mortgage four years after the completion date of the deed-in-lieu of foreclosure, preforeclosure sale, or charge-off.

Find out how much you can afford to borrow with NerdWallet’s mortgage calculator. Just enter your income, debts and some other information to get NerdWallet’s recommendation for how big a mortgage.

Can you get a mortgage if you are a temporary worker? Temporary and agency workers are the same thing in relation to this mortgage query. And just like the comments above, the good news is that this type of agency and temporary work doesn’t mean you won’t get a mortgage.

Get rid of PMI payments and you can enjoy lower, more affordable mortgage payments. However, down payments aren’t the only expense you must worry about. Getting a mortgage also involves closing costs, home inspections, home appraisals, title searches, credit report fees, application fees, and other expenses.

Why it could get more difficult for Americans to get approved for a mortgage. Restricting the amount of debt a borrower can take on if they want a mortgage, at least relative to her income.

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