Get Pre-Qualified for a Home Loan
Know Your Budget Before You Start Shopping
- No impact on your credit score
- Compare multiple loan programs
- Results in minutes, not days
- Expert guidance from loan specialists
Know Your Budget Before You Start Shopping
We do not share your information
Pre-qualification is the first step in the home-buying process. It gives you a clear picture of how much you can borrow, what your monthly payment might look like, and which loan programs you're eligible for — all without impacting your credit score.
A pre-qualification letter also signals to sellers and real estate agents that you're a serious buyer with financing in place. In competitive markets, this can make the difference between winning and losing a home.
Quick estimate based on self-reported information. No hard credit pull. Takes minutes. Good starting point for budgeting and house hunting.
Full credit check and income verification. Lender issues a conditional commitment. Stronger than pre-qual when making offers. Takes 1–3 business days.
3–5% down. 620+ credit. PMI drops at 80% equity. Best rates for strong credit profiles.
3.5% down. 580+ credit. Flexible DTI. Government-insured. Great for first-time buyers or lower credit scores.
Zero down. No PMI. For veterans and active military. Some of the best rates available.
Zero down. Low fees. For eligible rural/suburban areas. Income limits apply.
No. Pre-qualification uses a soft inquiry that does not impact your credit score. A hard inquiry only happens when you formally apply for the loan.
Most pre-qualifications are completed in minutes. You'll need to provide basic information about your income, debts, and the type of property you're looking for.
Pre-qualification letters are typically valid for 60–90 days. If yours expires before you find a home, your lender can issue an updated letter.
For pre-qualification: estimated income, monthly debts, desired loan amount, and property type. No documents needed at this stage.
Yes. FHA loans accept scores as low as 580 (or 500 with 10% down). Pre-qualification helps identify which programs fit your current credit profile and what you can do to improve your options.
No credit impact. No obligation. Know your budget before you shop.
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