Pre-qualify check

Soft self-assessment of credit, employment, debt-to-income, and savings — apply now, prep first, or somewhere in between.

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Soft check, no credit pull

No credit pull, no signup.

Apply or prep?

Get a clear go / wait answer.

PNW-tuned

Tuned for PNW housing budgets.

Readiness check

Run your numbers.

Free, no signup required

Annual income$120,000

Monthly debt payments$500

Down payment savings$40,000

Credit score range

Employment

This is a soft self-assessment, not a credit pull or formal pre-approval. Use it as a starting point — the round and a real lender conversation are the next step.

Could go either way

You're close — a round can map the cleanest path.

One or two factors need a closer look, but you're in workable range. The round can sort which loan products fit and what to tighten before formally applying.

Next steps

Book a free round — we can map FHA / co-borrower / down-payment-assistance options against your specific numbers.

Rough buying range (43% DTI, 6.5% rate)

5% down

$539,227

10% down

$569,184

20% down

$640,333

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Next step

Use the scenario, then bring it into the round.

These calculators are planning tools, not lender quotes. Use them to get sharper questions and more useful next moves.

Take the quiz Guide library Put these tools to work — book a round