Free Eligibility Check

Find out what you actually qualify for in under 2 minutes.

Answer a few quick questions and I'll generate a personalized eligibility snapshot — with a downloadable certificate you can keep.

No credit pull No obligation Instant results

Mortgages by Channing · NMLS #1457759 · Equal Housing Lender

What zip code are you looking to buy in?

This helps us check area eligibility and identify local programs available to you.

Zip Code

Are you a first-time homebuyer?

This helps us match you with programs designed for first-time buyers, like down payment assistance.

Yes, first time

I've owned before

Are you an active military member or veteran?

Veterans may qualify for a VA loan with $0 down and no PMI — one of the best mortgage options available.

Yes

No

What type of property are you looking for?

Different property types qualify for different loan programs. This helps us narrow your best options.

Single Family

Condo / Townhome

Mobile / Manufactured

Multi-Family

What's your current housing situation?

This helps us understand your timeline and whether there's a home to sell.

Renting

I own — need to sell first

I own — keeping my current home

Living with family

What purchase price are you targeting?

Use the slider or type a value.

$250,000

How much cash do you have available to put toward a home?

Include savings, gift funds, or anything you could use at closing. Some programs allow $0 down — this helps us see the full picture.

$0

What is your gross annual income?

Include all income sources. This helps us estimate your debt-to-income ratio and purchase power.

$75,000

What is your employment status?

This helps us determine which income documentation works best for your loan.

Employed

Self-Employed

Retired / SS / Disability

Not Currently Employed

What are your monthly debt payments?

Include car payments, student loans, and minimum credit card payments. Do not include rent or utilities.

$500

What is your estimated credit score?

An estimate is fine — we won't pull your credit.

760+ — Excellent

720–759 — Very Good

680–719 — Good

640–679 — Fair

600–639 — Below Average

Below 600 — Needs Work

How soon are you looking to buy?

No wrong answer — this helps us prioritize next steps.

ASAP — within 30 days

1–3 months

3–6 months

Just exploring

What's your name?

First Name

Last Name

What's your email address?

We'll send your eligibility summary here.

Email Address

Last step — enter your phone number

So I can reach out with your loan options personally.

Phone Number

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UMortgage LLC · NMLS #1457759 · Equal Housing Lender.

Hi there —

Your Loan Eligibility Snapshot

This is a preliminary estimate based on what you've shared — not a pre-approval. Your actual eligibility, purchase power, and loan terms can only be confirmed after a conversation with a loan officer who can verify your income, credit, property location, and full financial picture.

Estimated Purchase Power

$0

Based on 43% DTI · 6.5% rate · 30yr · Est. taxes & insurance

Estimated Down Payment

$0

Some programs allow $0 down

Want to know your real numbers?

These estimates need to be verified with a licensed loan officer. A quick call is the fastest way to confirm your eligibility, compare your best options, and get a real pre-approval letter.

Call Channing — 337-476-2623

Program Eligibility Review

Book a Call 337-476-2623 Start Application 5 min · No credit pull

This eligibility estimate is based on information you provided and general market assumptions. It is not a commitment to lend, a guarantee of eligibility, or a pre-approval. Actual eligibility requires verification of income, household size, credit, property address, and underwriting review by a licensed loan officer. UMortgage LLC · NMLS #1457759 · Equal Housing Lender.