Learn about refinance rates
The first thing they look at? Your career and your job. While you may think that simply having a good job will entitle you to home loan approval, it's a bit more complicated than that. Lenders will also look at the length of time you've been with your current employer (or at least in your current field). Two years with a particular company or working in a particular field will be considered steady employment, and will help you to present yourself as a good risk. After looking into your employment history, your home loan lender will then look at how your income compares to your debts after your new mortgage payment has been added in.