Get a mortgage prequalification

Mortgage prequalification is an informal evaluation that helps you determine how much home you can afford. Get prequalified or even preapproved before you start shopping for a home.

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The best lenders for your prequalification

  • Offers loan products starting with as little as 3% down
  • Doesn't charge lender fees, such as application, underwriting and origination charges
  • Strengths: Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
  • Weaknesses: Not available in all 50 states.
  • Read our Better review
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at Better

  • Good for: borrowers seeking government loans, which are known for offering credit flexibility and low- or no-down-payment benefits.
  • Read our AmeriSave review
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at AmeriSave

  • Good for: borrowers with solid credit who want to pay low fees and get an online experience with phone support. VA loans are an emphasis.
  • Read our NBKC review

With a mortgage pre-qualification, a lender gives you an informal evaluation of whether you meet minimum requirements for a loan and how big that loan may be. This is a crucial step for those who aren’t sure whether they’re financially ready to buy a home. However, if you’re confident in your finances or have already been pre-qualified, you might want to get preapproved instead.