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.

Tools

Empower

Professional calculators so you know exactly how much you can buy, what you'd pay, and whether you qualify.

Everything you need to take the first step

We designed a simple and powerful tool so you can make informed financial decisions about your future property.

Accurate Calculation

We analyze your income, debts, and goals to give you a realistic buying range and estimated monthly payment.

Pre-qualification Letter

Instantly download an official PDF to present to your realtor or seller. No waiting.

No Credit Footprint

Your inquiry is informative. We do not perform a 'hard pull' on your credit history for this pre-qualification.

In Minutes

Forget endless paperwork. Our guided process takes less than 10 minutes.

Simple Process

How your pre-qualification works

Tell us your story

Answer simple questions about your income, situation, and buying goals.

Know your numbers

Instantly view your maximum price range and estimate your monthly payments.

Get your letter

Download your pre-qualification letter in PDF and start house hunting with confidence.

Our Tools

Empower — Mortgage Calculators

Built from scratch by a software engineer, for the mortgage industry.

TaxIncome Calculator

Beta

Calculates monthly qualifying income based on tax returns. Currently supports Schedule C filers. Future versions will include K-1, 1065, and other business income forms.

ChatQualify

Beta

An AI-powered assistant that asks a few quick questions, conversationally, and recommends the mortgage program that fits your situation.

Mortgage Calculator

Estimate Your Monthly Payment

Adjust the inputs to see a full breakdown of your mortgage payment including taxes, insurance, and PMI.

Home Price: $350,000

$50K$2M

Down Payment: 10% ($35,000)

3%50%

Interest Rate: 6.75%

2%12%

Loan Term

Property Tax/mo

Home Insurance/mo

Estimated Monthly Payment

$2,686

Principal, Interest, Tax, Insurance + PMI

Loan Amount

$315,000

Principal & Interest

$2,043

Property Tax

$300/mo

Home Insurance

$120/mo

PMI

$223/mo

Total Interest Paid

$420,510

Principal & Interest
Property Tax
Insurance
PMI

Liuver Duran – Software Engineer & Mortgage Advisor

20+ yrs in Tech

The Engineer Behind the Tools

A Software Engineer who became a Mortgage Advisor

I spent over 20 years as a software engineer before pivoting to the mortgage industry. What might seem like a short time in this field is actually a superpower: I bring the logical, systems-thinking mindset of a programmer to an industry that rarely sees it.

I apply innovative concepts and techniques to optimize processes, think outside the box, and build real software tools for clients and realtors — making me a genuinely rare profile in this industry: a mortgage advisor who also engineers the solutions.