What could you be pre-approved for?

This is a planning estimate, not a loan offer, rate lock, or commitment to lend. It assumes a 30-year fixed loan, an estimated combined property tax and insurance cost of about 1.4% of the home price per year, and mortgage insurance of about 0.6% per year on loans with less than 20% down — all rough, editable assumptions that vary significantly by location and lender. It also assumes a maximum housing payment of about 31% of gross income and a maximum total debt load of about 43%, common conventional guidelines that some loan programs allow to flex higher or lower. The rate shown defaults to an approximation of national averages as of July 2026 and should be treated as illustrative only. For an actual rate and approval amount, a lender needs to verify your full financial picture — see the pre-approval guide for what that involves.