This research examines barriers Latino homebuyers face in the mortgage underwriting process and explores what could be done to enhance homeownership opportunities for Latino homebuyers. Despite noticeable homeownership gains among Latino households in recent years, we find that Latino homebuyers still face multiple barriers to accessing homeownership. We look at the debt-to-income ratio, credit history, and down payments to understand why Latino homeownership remains lower than white homeownership, even after controlling for age and income. For each of the three areas, we discuss what can be done to mitigate the barriers for Latino homebuyers.