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Buy a home

Buy with the confidence of a cash buyer.

Our fully underwritten pre-approvals make your offer stronger and your closing faster.

Why start here

An iron-clad pre-approval, at no cost.

What makes us different: our pre-approval process starts with a soft credit check, and we fully underwrite every pre-approval to the guidelines of your specific loan program.

  • Soft credit check only, no impact to your score
  • Fully underwritten to your loan program's guidelines
  • No cost, no obligation
  • A real person, not a call center
Rick VegaSr. Mortgage Broker & Advisor · NMLS #1492084

Prefer to talk? Call (941) 500-4064 or schedule a call.

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Purchase price

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$70,000$2,000,000

Down payment

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Annual household income?

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$0$250,000+

Monthly debt payments

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$0$10,000

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Loan purpose

Property value

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$30,000$2,000,000

1st mortgage balance

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$30,000$2,000,000

1st mortgage interest rate

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Do you have a 2nd mortgage?

2nd mortgage balance

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$0$1,000,000

2nd mortgage interest rate

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Any foreclosure in the last 7 years?

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Rick will review your answers and reach out shortly. Want to keep going? Start your secure application now.

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Affordability

How much home can you afford?

A quick estimate based on income, debts and down payment.

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Car, student loans, credit cards
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$
%
Comfort level
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$
You may be able to afford
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Estimated loan amount$0
Max monthly housing budget$0
Principal & interest$0
Property tax$0
Home insurance$0

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Uses a 36% (comfortable) or 43% (stretch) debt-to-income ratio. Your monthly housing budget covers principal, interest, property tax and insurance.

Buying, step by step

Your path to the closing table.

1

Get pre-approved

Soft credit check, fully underwritten approval and a clear budget before you start touring homes.

2

Make a winning offer

Sellers and agents take our pre-approvals seriously because the hard work is already done.

3

Close on time

We coordinate appraisal, title and final approval and keep you updated every step of the way.

Ready when you are.

Get a fully underwritten pre-approval with only a soft credit check, at no cost to you.

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