Play around with our calculator and see what you can afford — no commitment, no email required, just see your numbers. If you like what you see, we'll match you with a broker in our network who can help you get prequalified. No spam. No catch.
Enter your financial details and we'll estimate how much home you could afford.
Like what you see? A broker can walk you through the next steps.
Get Prequalified Free →This is an estimate. A broker can give you an exact prequalification based on your full financial picture — often with better numbers than you'd expect.
Get prequalifiedPrequalification is the first step. Here's what to expect.
Prequalification is a lender's initial estimate of how much you can borrow, based on basic financial info you provide. It usually takes minutes and doesn't affect your credit score — it's a soft pull, not a hard inquiry.
Prequalification is a quick estimate based on self-reported info. Preapproval is more thorough — the lender verifies your income, assets, and credit with documentation. Sellers take preapproval letters more seriously because they signal a committed, verified buyer.
Getting prequalified uses a soft credit check, which doesn't impact your score. Even preapproval only counts as one hard inquiry if you apply with multiple lenders within a 14-45 day window — rate shopping is expected and encouraged.
Prequalification can happen the same day — sometimes in minutes. Preapproval typically takes 1-3 business days once you've submitted your documents. Having your paperwork ready speeds everything up.
Recent pay stubs (last 30 days), W-2 forms from the last two years, or tax returns if self-employed.
Last 2-3 months of checking and savings accounts showing your down payment funds.
Government-issued photo ID. Your SSN is needed for the credit check.
Employer name, address, and how long you've been there. Two years of stable employment is ideal.
Car loans, student loans, credit card balances, and any other monthly obligations.
Three steps to knowing what you can afford.
Use our affordability calculator to see an estimate of what you can afford based on your income, debts, and savings.
Enter your name and contact details so we can match you with an independent broker who fits your situation and market.
Your broker reaches out, walks you through the process, and gets you a prequalification letter — often the same day.
Tell us how to reach you. A broker will take it from there.
We're matching you with a broker now. Expect to hear from one qualified professional who'll walk you through the prequalification process and help you understand exactly what you can afford.