What Can I Qualify For? | DahloanGuy at NEXA Lending

Military & service background

This determines whether VA financing is available — usually the strongest program when it applies.

Are you a Veteran, active-duty service member, or eligible surviving spouse?

Please select one option.

Have you served at least 90 continuous days on active duty (or meet your era's minimum / 6-year Guard-Reserve requirement)?

Discharge / character of service

Where is the property?

City, state, and zip are required to check income limits and USDA eligibility. Street address is optional — enter it if you have a specific property in mind.

Street Address (optional)

City required

City is required.

State required

State is required.

Zip Code required

Zip code is required.

Is this property in a USDA-designated rural area?

Verify free at eligibility.sc.egov.usda.gov

First-time homebuyer?

Required for Freddie Mac HomeOne. HomeReady and Home Possible do not require first-time buyer status.

What's your estimated credit score?

This is one of the biggest factors in which programs are available to you and what rate you can expect.

Estimated FICO score

670+ — strong position, most programs open
620–669 — good, FHA & Conventional likely available
580–619 — FHA with 3.5% down
500–579 — FHA with 10% down required
Below 500 — credit repair needed first

Enter a score between 300 and 850.

Any credit events we should know about?

Bankruptcies and foreclosures don't automatically disqualify you — seasoning requirements apply and we'll check each one.

Have you had a bankruptcy?

Type

Years since discharge

Ch.7 typically needs 2 years; Ch.13 typically needs 1 year of satisfactory payments.

Have you had a foreclosure, deed-in-lieu, or short sale?

Years since completed

Typical seasoning is around 3 years.

Have you co-signed a loan for someone else that's still active?

Has the other party been making on-time payments for 12+ months with documentation?

What's your monthly income?

Use gross figures — before taxes and deductions. This is how lenders calculate your debt-to-income ratio.

Gross monthly income (you)

$

Please enter your gross monthly income.

Gross monthly income (co-borrower, if any)

$

Leave blank if applying alone.

Household size

Used for the VA residual income test (West region).

Monthly debts & purchase details

List every recurring debt from your credit report. This is what drives your debt-to-income ratio.

Debt type$/monthMonths left

Estimated down payment available

$

VA & USDA can go $0 down. FHA min 3.5% (or 10% if FICO 500–579). Conventional min 3%.

Target purchase price

$

Please enter a target purchase price.

What's your name?

So we can address your results personally and Eric knows who to follow up with.

Your Full Name

Please enter your name.

What's your email?

We'll send your results here so you have them for reference. No spam — ever.

Email Address

Please enter a valid email.

Best phone number?

Eric's team will reach out to walk you through your options and get your pre-qualification started.

Phone Number

Please enter your phone number.

By providing your phone number you agree that Eric Dahlberg / NEXA Lending may contact you regarding your mortgage inquiry. Standard message and data rates may apply.