Do I need perfect credit?
No. Plenty of buyers get a home loan without perfect credit. Better credit can help your rate, but there are still options when your score is not great.
No credit check
Takes about 2 minutes
Free and private
Can you afford a home?
Let's find out.
Answer a few simple questions and get a clear idea of what your payment and home price could look like.
No credit check
Takes about 2 minutes
Free and private
Straight talk
Buying a home starts with one simple question:
can the monthly payment work?
Home price matters, but the monthly payment is what makes or breaks the deal. That is why we ask about your income, credit, down payment, and timing in plain English.
How much do I need for a down payment?
Not always 20%. Some buyers can get in with much less. What matters most is whether the payment still feels comfortable after taxes, insurance, and closing costs.
What if I am just getting started?
That is fine. This is built for people who want a simple starting point before talking to anyone or filling out a full loan application.
Will this check my credit?
No. This form does not pull your credit. It is only used to size up what may be realistic based on the answers you give.
Can I buy if I have some debt?
Maybe. Most people do. The real question is whether your monthly income leaves enough room for a house payment on top of the bills you already have.
Should I look at refinancing too?
If you already own a home and want a lower payment, cash out, or a better loan setup, a refinance check can tell you if it is worth another look.
What lenders usually look at
Your monthly income.
Your credit.
How much you have for a down payment.
What you already pay toward debts.
Whether there are programs like FHA or VA that fit your situation.
A quick note on privacy
Your information will NOT be sold to multiple parties. Most online mortgage shopping experiences sell the information they collect to multiple mortgage lenders, banks, and other institutions.