Mortgage Eligibility Calculator
See the key criteria lenders look for — then use our calculator to find out where you stand. Results come from a licensed lender, not a formula.
What Lenders Want to See
These are the key eligibility criteria lenders look for. Meet these criteria and you'll get the best rate with the fastest approval. If you fall short on any of them it doesn't mean you can't get approved — it just means it may take longer and cost more.
| Criteria | Guideline |
|---|---|
| Credit score | 620+ |
| Down payment | 3.5% minimum — unless you're a veteran or buying in a rural area |
| Income | Monthly mortgage payment less than 1/3 of gross income |
| Bankruptcy | Not within the last 4 years |
| Property value | $100,000+ |
| Purchase timeline | Within 6 months |
Calculate Your Eligibility
The eligibility calculator below connects you directly with a licensed lender — your result comes from a real broker, not an algorithm. It takes about 2 minutes and covers the criteria above plus a few additional details. If you're eligible, a lender will reach out with which programs you qualify for, your estimated rate, and your buying power.
NMLS-licensed lendersSecure & confidentialNo credit checkMost approvals in 24 hours
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