Overview
Doorly is designed to help creditworthy, hardworking buyers who may not fit traditional lending rules. Our underwriting evaluates your real ability to repay, not just a narrow credit profile.
Here are the baseline requirements to qualify.
Minimum Requirements
1. Down Payment: At least 10%
You must have a minimum of 10% of the home price available as your down payment.
Funds may come from:
Checking/savings
Gift funds
Retirement accounts
Investment accounts
Doorly does not accept down payment assistance programs.
2. Minimum Credit Score: 560+
Doorly accepts buyers with credit scores as low as 560, which is 60-100 points lower than most traditional or Non-QM lenders.
Your score helps determine pricing, but approval is based on the overall strength of your profile.
3. Income That Supports the Payment
We verify your actual earning power — including flexible income sources other lenders may not use.
(See Article 2 in this collection for full details.)
4. Buying in an Eligible State
Doorly is currently available in:
Texas
Florida
22 additional states launch in 2026, with national expansion in 2027.
5. Ability to Repay (ATR) Requirements
All approvals follow Doorly’s formal underwriting guidelines, which include:
Income verification
Cash-to-close verification
Reasonable debt-to-income thresholds
Reserve requirements (when applicable)
Still Unsure Whether You Qualify?
Just ask — Eva, our AI agent, can guide you based on your situation.