For many, living the American dream means buying a home, and that means you need to know how to qualify for a mortgage. If you are overwhelmed by debt and your payment history is not good, there are still a few things you can do to make qualifying for a mortgage easier. Take advantage of a free credit counseling session with an InCharge Debt Solutions certified credit counselor who will help evaluate your current financial situation and prepare a workable budget for the future. Also, remember that paying your bills on-time is very important and it is prudent to demonstrate to potential lenders that you consistently make your payments on or before their due date. A thorough credit counseling session is one of the best ways to gain the knowledge and guidance you’ll need to prepare you for a mortgage search.