To get a mortgage for a $415,000.00 home you're gonna need a good credit score of at least 650 or above.
And you'll need a good amount for down payment. You'll probably need at least $50,000.00 down to get the $415,000.00 mortgage.
You're gonna need a good income as well because your payments for a $415,000.00 home are gonna be around $13,000.00 per month on a 30 year home mortgage.
That's a lot of money for a monthly payment on a home mortgage.