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
  • Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
  • Estimates the loan amount you’ll qualify for within minutes.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
  • Read our Quicken Loans review
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at Quicken Loans

  • Offers competitive rates and origination fees.
  • Considers nontraditional income sources, in some cases.
  • Devotes much of its business to serving military families with VA loans.
  • Read our NASB review
  • Offers full online mortgage application, rate quotes, document upload and loan tracking.
  • Uses manual underwriting to evaluate creditworthiness, in some cases.
  • Read our New American Funding review
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at New American Funding

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.