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.

Buying Power Calculator | How Much House Can I Afford?

Buying Power Calculator

Discover how much home you can afford based on your income, debts, and loan program.

Loan Program

Using today's live rate

Income & Debts

Gross Monthly Income

Monthly Debt Payments (car, loans, etc.)

Available Down Payment

⚠ Conventional requires minimum 3% down payment.

Loan Parameters

Interest Rate

Property Tax/mo

Insurance/mo

Legal / Immigration Status

Enter your monthly income to see results.

Help & Guidance

Frequently Asked Questions

Everything you need to know about this income type and how lenders evaluate it.

Warning Signs

Red Flags & Common Problems

These situations can complicate or prevent mortgage qualification. Know them in advance to avoid surprises.

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

Your next step

Turn my estimates into a clear next step.

Start my pre-qualification Talk through my options