Who Doorly Helps
Doorly was created for buyers who can afford a home but don’t fit the narrow requirements of traditional lenders. If you’ve been turned down because of credit score, non-traditional income, recent financial setbacks, or strict documentation rules—you’re exactly who Doorly is built for.
Core Eligibility Requirements
To qualify for Doorly, buyers generally need:
✔ A credit score of at least 560
This is 60-100 points lower than many traditional lenders and even most non-QM programs.
✔ At least 10% down payment
Your down payment can come from:
Checking or savings
Verified gift funds
Retirement accounts
Investment accounts
Doorly does not accept down payment assistance programs.
✔ Stable, verifiable income
W-2, 1099, self-employment, gig income, blended household income — all acceptable using our Ability-First underwriting.
✔ Ability to repay the AFM loan
We evaluate cash flow, income patterns, reserves, and spending behaviors to confirm realistic affordability.
✔ Buying in Texas or Florida
Doorly will expand to 10 more states in 2026.
Who Doorly Is Not a Fit For (Today)
Buyers with less than 10% down
Buyers seeking investment properties
Buyers wanting to purchase outside of our active states
Buyers unable to verify income in any form
If You’re Not Sure Whether You Qualify
You're welcome to apply — many buyers assume they won't qualify and discover they actually can.