Home Purchase
Find out how much home you can afford — right now.
Know exactly what you can afford before you start searching. Get a free pre-approval letter and shop with confidence.
● No credit impact● No SSN to start● ~60 seconds
Home Purchase Qualifier
See your options in about a minute.
Congratulations — you’re ready
Home purchase loans without the hassle
Choosing a purchase loan that matches your goals — and getting the best rate for your scenario — can feel like playing whack-a-mole. We make it easier, with tools and expertise that guide you, starting with a FREE pre-approval letter.
We’ll help you clearly see the differences between programs, whether you’re a first-time buyer or a seasoned investor.
Do I qualify?
Simple guidelines, honest answers
Lenders typically want a debt-to-income ratio around “43/49”: no more than 43% of gross monthly income toward the new payment, and no more than 49.99% toward total monthly debt. VA and FHA loans allow higher ratios case-by-case.
Qualify me now- Fixed Rates
- Adjustable Rates (ARM)
- Conforming Loans
- Jumbo & Super Jumbo
- FHA, VA & USDA
- Terms from 5 to 30 Years
Good to know
Frequently asked questions
How much do I need for a down payment?
It depends on the loan. FHA can be as low as 3.5% down, VA and USDA can be $0 down for eligible buyers, and conventional loans often start around 3–5%. We’ll match you to the lowest-cost path for your situation.
What credit score do I need to buy a home?
Many programs work with less-than-perfect credit. FHA in particular is designed to be accessible. Get a free qualifier and we’ll tell you exactly where you stand.
What is the “43/49” debt-to-income ratio?
Lenders typically want no more than 43% of your gross monthly income going to the new mortgage, and no more than 49.99% to total monthly debt. VA and FHA loans allow higher ratios case-by-case.
Does getting pre-approved affect my credit?
Our initial qualifier does not affect your credit and does not require your SSN to start. A full pre-approval later involves a credit check, which we’ll explain before anything happens.