Home Loan Qualifier

A Personal Advisor will use this information to find programs, rates and payments you may qualify for.

Home Loans SIMPLIFIED

STEP 1

Figuring Your Debt to Income Ratio

What is a Debt to Income Ratio?

The debt to income ratio (known as DTI) is a number lenders use to determine how much money is available to pay monthly bills

The chart shows what items are included in a Debt to Income Ratio

Things such as food, utilities, fuel, cell phones and recreational spending are NOT part of the debt to income ratio

For conventional loans this number should be 45% or less, but for FHA and VA loans they can be much higher (over 50%)

Enter your Debt and Income Figures Below

Income - this is before taxes
Monthly credit card payments
Car payments
Student Loan Payments
"Other" Loan Payments
Alimony/Child Support Payments

STEP 2

Home Loan Pre-Qualifier
NO Credit Check
How much will you spend on a home?
How much are you putting down?
What type of loan ?
Loan Term in Years
Fixed rate or adjustable?
What Type of home are you buying?
How will you occupy the home?
Where is the home located?
How is your credit?
When Are you wanting to buy ?
The Quote will be sent by the next business day via text message and email
We promise not to spam or in any way harass you, we dislike that just as much as you do.

What others are saying...

" Ryan and his team are a top notch group they help me in several different ways from repairing my credit to purchasing a home. If it wasn't for his group I probably would still be renting a home "

~ Patrick Berg

"Ryan was referred by a good friend so I called him, and I'm glad I did! Everything seemed to flow flawlessly, from learning about the home buying process, to quickly getting a home loan approval. Super Awesome Experience!"

~ Libby L

"We were quickly approved for a home loan and Ryan helped us focus on our goals. His guidance led us to the perfect one, right down to the sunsets we wanted. He's a great person, we're blessed"

~ Julie P

"Ryan is awesome! He tells you like it is and is very knowledgeable in the Real Estate game. If he tells you it can be done, believe it!"

~ Caroline C

Copyright 2021 -  Grace Mortgage LLC - All Rights Reserved
Grace Mortgage LLC   NMLS ID 2271494  |  909-781-4001
Licensed by the Arizona Department of Financial Institutions, License #MB- 1030403

Ryan Mihld  NMLS ID 1492562, also licensed by the California Dept Of Real Estate #01501609

Equal Housing Lender. Cost and fees may vary. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All loans subject to credit approval and secured by real estate. 
We are not a certified financial planners/advisors, nor certified financial analyst, nor economist, nor CPA, nor accountant, nor a lawyer. We're not finance professionals through formal education. 
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply.
Grace Mortgage LLC  |  20597 W Garden St  Buckeye, AZ 95396