QualIQ
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Let's start with your loan goal.

You're working with the WOW Broker Team at Certezza Realty — a licensed real estate brokerage and mortgage origination team serving all of South Florida. Everything you share here stays confidential.

What are you looking for?
Loan Program
Transaction Type
How will the property be used?
What's your rental strategy?

A few quick questions before we begin.

These help us point you in the right direction. No wrong answers — just be honest.

Legal Status in the U.S.
Mortgage eligibility depends on your residency status. Most programs require U.S. citizenship or permanent residency; some accept work permits.

Due to your residency status, we may need to review your options personally. Certain visa types qualify for specific mortgage programs — let's make sure we find the right fit.

Primary Employment Type
How you earn income affects which documents we'll need and how lenders calculate your qualifying income.

Variable or commission-based income typically requires 2 years of documentation for averaging. Let's make sure your income picture is complete — a quick call can save time.

Retirement and fixed-income qualification has unique guidelines. We can walk you through the best options available.

For self-employed borrowers:
For business owners:
Estimated Credit Score
If you're not sure, pick your best guess. We'll verify during the actual application — this just helps us estimate your rate and program fit.

A score below 620 may limit your options right now, but there are steps you can take to improve it quickly. Let's talk about a game plan.

Tell us about yourself.

We need basic info for each person on the loan. You can add a co-borrower if someone else will be on the application with you.

1
Primary Borrower
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Personal Information
Will your spouse be a co-borrower on this loan?
Residence History
Principal + Interest + Taxes + Insurance + HOA
Previous Address
Since you've been at your current address less than 2 years, we need your previous address too.

About the property.

Tell us about the home you're looking at — or the price range you're targeting if you're still searching.

Do you already have a specific property in mind?
or
Your best guess — we can adjust later
or
Do you currently own a home?
Gross rental income before expenses
Principal + Interest + Taxes + Insurance + HOA

Multiple property ownership adds complexity to your debt-to-income ratio. A full pre-approval review will give you the most accurate picture.

Employment & Income

Include all income sources. We need gross (before-tax) amounts. You can add multiple sources if you have more than one job or income stream.

1
Primary Income
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After business expenses, before personal taxes
Total Monthly Gross Income $0

Monthly Debts & Available Funds

Almost there. We need your recurring monthly obligations and confirmation that you have funds available for closing.

Section A — Monthly Debts
Include minimum monthly payments for: car loans, student loans, credit cards, personal loans, child support, alimony, and any other recurring obligations. Do not include rent or utilities.
1
Debt #1
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Helps us estimate payoff timeline
Total Monthly Debt Payments $0
Section B — Funds to Close
Estimated Funds Needed --
Gift funds are allowed on most loan programs. The donor must provide a signed gift letter and proof of transfer.
Seller concessions can cover closing costs (up to program limits). This will be negotiated as part of your purchase offer.
Typical range: 2-6% of purchase price, depending on program
That's okay — we'll estimate what you'll need and discuss options. You may qualify for down-payment assistance programs or seller concessions.

Your Pre-Qualification Results

Based on the information you provided, here's a snapshot of your estimated buying power and monthly payment.

Calculating your results...