Loan Qualification Estimator
Check your eligibility for different loan types and see what you qualify for.
Borrower Profile
$150,000
720
Existing Obligations
Cars, cards, other loans
Loan Request
$400,000
Property Income
Taxes, insurance, HOA, etc.
May Not Qualify
Strength: Good (80%)
Est. Monthly Payment (PITI)
$3,370
at 7% interest
Requirements Check
Credit Score
720
Req: ≥ 620
LTV
80%
Req: ≤ 80%
DTI (Back-End)
47%
Req: ≤ 45%
Reserves
$250,000
Req: $20,217
Net Worth
$750,000
Req: $200,000
DTI Analysis
Front-End DTI27%
Housing only
Back-End DTI47%
All debt
Max Loan Amount
Based on DTI$469,711
Based on LTV$400,000
Recommended Max$400,000
Loan Type: CONVENTIONAL
• Standard mortgage backed by Fannie Mae/Freddie Mac
• Best rates for strong credit profiles
• PMI required below 20% down
Ready to Get Pre-Approved?
Get a real pre-approval letter to strengthen your offers.