Instant Homebuyer Pre-Qualification Review | Florida Homes & Loans
Preliminary review based on information you provide. No credit pull is completed on this page.
FHL Mortgages logo Preliminary review provided by our FHL Mortgages department
Instant Homebuyer Review

Could You Be Ready to Buy a Home?

Answer a few questions to receive an immediate preliminary review of your income, monthly obligations, available funds and possible next steps—without a phone call.

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Estimate your DTIUsing self-reported monthly income and debts.
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Review possible funding needsDown payment, closing costs and potential assistance.
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Receive clear next stepsComplete the secure application only when you are ready.

What are you hoping to do?

Tell us about your purchase goals and preferred timeframe.

Contact information
Purchase goals

Tell us about your income.

Use gross income before taxes. Final qualifying income requires documentation and underwriting review.

Overtime, commission and bonuses
Variable income will be included in this preliminary estimate only when you report a two-year consistent history. Actual qualifying income may be different after documentation is reviewed.
Self-employment details
Self-employed income cannot be confirmed from gross revenue alone. Tax returns, business expenses, ownership percentage and program rules may materially change qualifying income.

What monthly debts appear on your credit?

Enter required monthly payments, not account balances. Include obligations that will remain after the new home purchase.

Estimated new housing expenses
This page estimates the principal-and-interest payment using a configurable demonstration rate. It is not a rate quote, Loan Estimate or commitment to lend.

Do you have student loans?

Student-loan treatment can vary by loan program. We will collect the actual details and flag the file for the correct program review.

The preliminary DTI will use the documented monthly payment when it is greater than $0. A reported $0 payment, deferment or forbearance will be flagged for manual program-specific review rather than automatically treated as $0.

What funds are available for the purchase?

We will use this to identify whether a low-down-payment option, assistance program or negotiated seller concession may need to be reviewed.

Seller concessions must be negotiated in the purchase contract, are subject to loan-program limits and cannot generally be converted into unrestricted cash.

Tell us about your credit history.

No credit report is pulled by this page. Use your best estimate and disclose any recent housing or debt payment issues.

Review and submit.

Your result is an educational preliminary review based only on the information entered.

Estimated monthly income used$0
Estimated monthly debts$0
Preliminary DTI estimate0%
Purchase goal—
Target price—
Employment—
Student loans—
Available funds—
Credit range—

Your preliminary review

A copy of your answers has been prepared for the FHL Mortgages department of Florida Homes & Loans.

Educational Preliminary Review

Additional review recommended

Next step: Complete the secure mortgage application so income, credit, assets, debts and program eligibility can be verified. Do not upload Social Security numbers, bank statements or tax documents through this public page.
Continue to Secure Application Contact Our Team
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Florida Homes & Loans provides coordinated real estate and mortgage guidance for Central Florida and the Space Coast.

Mortgage licensing and disclosure: Licensed by Florida Office of Financial Regulation. This is not an advertisement to extend consumer credit as defined in Regulation Z.226.2. All loans are subject to credit and property approval. Programs, rates, terms, and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions apply. For licensing information, go to: www.nmlsconsumeraccess.org.

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728 West Ave, PMB 4017, Cocoa, FL 32927.

This tool provides an educational preliminary review based solely on unverified information entered by the consumer. It does not constitute an application decision, approval, preapproval, commitment to lend, Loan Estimate, rate quote or guarantee of loan or property eligibility. Actual qualification depends on verified credit, income, assets, liabilities, occupancy, property, appraisal, insurance and underwriting requirements. Mortgage programs and guidelines vary and are subject to change. Equal Housing Opportunity. Florida Homes & Loans Inc. NMLS 2295908. Mortgage Loan Originator NMLS 2121526.