How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Advanced Mortgage Calculator | Full Payment Breakdown

Advanced Mortgage Calculator

Full payment breakdown including DPA, UFMIP, MIP/PMI, taxes, insurance and HOA.

Search Property by Address

Enter the property address to auto-fill the estimated value and tax rate.

Property & Loan

Property Type

Sale Price

Loan Program

FHA Loan Conditions

• UFMIP: 1.75% of base loan (financed)

• Annual MIP: 0.55% (for 30yr, LTV >90%)

• Minimum down payment: 3.5%

Credit Score (estimated)

Down Payment

LTV: 96.5% · Down: $8,750

Interest Rate (%)auto by score

Term (years)

Finance UFMIP/Upfront MI?

Taxes, Insurance & HOA

Annual Property Tax

$6,250/yr · $521/mo

Annual Insurance ($)

Include HOA?

Down Payment Assistance (DPA)

Use DPA / Second Loan?

Estimated Monthly Payment

$2,411

PITI + MIP/PMI

Payment Breakdown

① Base Loan Amount

LTV: 96.5%

$241,250

② UFMIP / Upfront MI Financed

1.75% × $241,250

$4,221.88

③ Total First Loan

Base + UFMIP financed

$245,472

④ P&I First Loan (monthly)

6.875% / 30 yrs

$1,612.58

⑤ MIP (monthly)

0.550% annual · score-adjusted

$110.57

⑥ Property Taxes (monthly)

2.5% × $250,000 / 12

$520.83

⑦ Home Insurance (monthly)

$2,000 / 12

$166.67

Total Monthly Payment

$2,411

⚠ All values are estimates only and do not constitute a loan commitment.

Your next step

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