West Virginia Mortgage Law Practice Test 2026 - Free Mortgage Law Practice Questions and Study Guide

Question: 1 / 400

Which of the following factors does NOT influence mortgage eligibility?

Credit score

Borrower's age

The factor that does not influence mortgage eligibility is the borrower's age. In the context of mortgage lending, age itself is not a determinant in whether a borrower can qualify for a loan. Mortgage lenders focus on the financial aspects of a borrower's profile, such as credit score, employment history, and debt-to-income ratio, which directly relate to the borrower’s ability to repay the loan.

While a borrower must be of legal age to enter into contracts, typically 18 years or older, the age beyond that doesn’t impact the ability to secure a mortgage. Lenders are more concerned with creditworthiness and financial stability than the borrower’s age, allowing younger and older borrowers alike to qualify as long as they meet the necessary financial criteria. This highlights the significance placed on financial indicators over any characteristics related to age in determining mortgage eligibility.

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Employment history

Debt-to-income ratio

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