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.

Solutions by situation

Your situation first, the loan second

Don't start with the program name. Start with what you're living: ITIN, low credit, little savings, cash income. We tell you what to do and which options might fit.

What's your situation?

Pick your scenario and we'll take you to the guide with the steps to follow and the loans that might work.

Special situations

Homebuying

Not sure which case is yours?

Tell us your story and we'll recommend the right path in minutes. No cost, no commitment.

Educational content only. Not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Eligibility depends on your full financial profile and varies by lender and program. Liuver Duran, NMLS #2579601. Sociable Mortgage LLC, NMLS #2498240. Equal Housing Opportunity.

Your next step

Let’s move forward, one step at a time.

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