Look at income. When choosing a primary lender, it can be determined based on the income levels of both parties. People with stable and high incomes will be able to obtain higher loan amounts during loan qualification review. High incomes mean that the home buyer has a stronger repayment ability. , it is less likely to be in danger of being cut off, and bank lending is more secure. Loans are banks, credit unions and other institutions lending money to entities or individuals in need of money.