Pre-Qualification Calculator

Your Numbers

Honest inputs get you an honest estimate. Nothing here touches your credit.

Full name

Phone

Annual income before taxes (household total)

Credit score range

What are you buying?

Monthly HOA fee (your best guess is fine)

Monthly debt payments (car + credit card minimums + loans. NOT rent or utilities)

Down payment you have saved

By submitting, you agree Ronald Cepeda (NMLS #407464) may contact you by phone, text or email about your inquiry. Consent is not a condition of purchase. This tool provides an estimate only and does not pull your credit.

Your Estimated Pre-Qualification Range

$0 to $0

Estimated total monthly payment around $0 at the middle of your range

📅 Turn This Into a Real Pre-Approval 💬 WhatsApp Me

Real talk: this is a pre-qualification, not a pre-approval. This estimate is based on the numbers you typed in, with nothing verified. A pre-approval means I actually review your income, credit and assets, and it carries weight when you make an offer. That takes one quick call. The button above gets you on my calendar.

Let's build you a game plan

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Pre-Qualification (this tool)

Based on numbers you type in
Nothing verified, no credit pull
Great for knowing your ballpark
Takes 60 seconds

Pre-Approval (the real deal)