Find Out How Much House You Can Afford
Find Out How Much House You Can Afford
Looking to buy a home and want to see what you can qualify for?
Free Calculator
No Credit Pull
30 Seconds
4.9 on Google
Free Calculator
No Credit Pull
30 Seconds
4.9 on Google
Free Loan Calculator - No Credit Pull
Free Calculator
No Credit Pull
4.9 on Google
Top Mortgage Lender For First Time Homebuyers
Jatayu Loans LLC
Top Rated Home Mortgage Lender
Conventional & FHA Mortgage Loans
First Time Homebuyer Loans
First-time Homebuyer Programs
Mortgage Pre Approval
Mortgage Refinancing
Top Mortgage Lender For First Time Homebuyers
Jatayu Loans LLC
Top Rated Home Mortgage Lender
Conventional & FHA Mortgage Loans
First Time Homebuyer Loans
First-time Homebuyer Programs
Mortgage Pre Approval
Mortgage Refinancing
Discover If You Qualify for a Mortgage
Instant Check - No Credit Score Impact!
Check in minutes if you meet the conventional loan requirements
No obligation and no impact on your credit score
Get personalized results tailored to your income, credit, and goals
Discover If You Qualify for a Mortgage
Instant Check - No Credit Score Impact!
Check in minutes if you meet the conventional loan requirements
No obligation and no impact on your credit score
Get personalized results tailored to your income, credit, and goals
What Our Clients Are Saying
Frequently Asked Questions...
Is this pre-approval 100% free?
Yes. It's 100% free. Checking your eligibility and exploring your loan options is completely free with no obligation to move forward. Our goal is simply to help you understand how much you may qualify for and what your next steps could be.
Who qualifies as a first-time home buyer?
You may qualify as a first-time home buyer even if you’ve owned a home before. In many programs, you’re considered a first-time buyer if you haven’t owned a primary residence in the last 4 years. This can open the door to lower down payments and special loan programs.
Do I need a 20% down payment to buy a home?
No. Many first-time buyers qualify with as little as 3% down depending on the loan program and their credit profile. There are also programs designed specifically for first-time buyers that offer low down payment options and competitive interest rates. We’ll walk you through every option available so you can choose what works best for your budget.
What credit score do I need to qualify?
Many conventional first-time buyer programs start around a 580 credit score, though higher scores can help you qualify for better rates and terms. If your score isn’t quite there yet, we can often recommend simple steps that may help improve your eligibility before applying.
How do I know how much house I can afford?
The easiest way is to get pre-approved. During pre-approval, we review your income, credit, and financial profile to determine how much you may qualify to borrow. This gives you a clear price range so you can shop confidently and make stronger offers when you find the right home.
How long does the pre-approval process take?
In many cases, pre-approvals can be completed within the same day once the required information is submitted. After reviewing your information, we’ll let you know what loan options you qualify for and your estimated budget so you can start house hunting with confidence.
Will this impact my credit score?
In most cases, the initial eligibility review does not require a hard credit inquiry. If you decide to move forward with a full pre-approval, a credit check may be required, which may cause a small temporary impact on your score. However, getting pre-approved is an important step that helps you understand your buying power and shows sellers you’re a serious buyer.
Can I get approved if I have student loans or other debt?
Yes, many buyers qualify even with student loans, car payments, or credit card balances. Lenders typically look at your debt-to-income ratio (DTI), which compares your monthly debt payments to your income. As long as your finances fall within qualifying guidelines, you may still be eligible for a mortgage.
Can I buy a home if I’m self-employed?
Yes. Self-employed borrowers can absolutely qualify for a mortgage. You may just need to provide additional documentation, such as tax returns or business income records, to verify your income.
Jatayu Loans LLC, NMLS ID: 2055341 | 2615 Fountain Drive, Irving, TX 75063 | Licensed in CA, DE, FL, IL, TX, NJ | California-DFPI Financing Law License, 60DBO-157604 | Licensed by the Delaware State Bank Commissioner to engage in business in Delaware as a Mortgage Broker - License # 043692 | Florida Mortgage Broker License MBR7086 | Jatayu Loans is an Illinois Residential Mortgage Licensee (License Number: MB.6850261) Regulated by the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, Bureau of Residential Finance, located at 555 West Monroe Street, Suite 500 Chicago, IL 60661 - General Inquiries: 1-888-473-4858: TYY 1-866-325-4949 - Springfield Office line for Banking: (217)785-2900 - Chicago office Line for Banking: (312)793-7090 - Website: https://idfpr.illinois.gov | Texas SML Mortgage Company License 2055341 | Licensed by the N.J. Department of Banking and Insurance - New Jersey Residential Mortgage Broker License 2055341. Jatayu Loans arranges loans with third-party providers. Jatayu Loans will not make any mortgage loan commitments or fund any mortgage loans.
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Copyright © 2026 - Ami Padhiar - Jatayu Loans LLC - All Rights Reserved.
Residential Mortgage Licensee, Company NMLS 2055341
2615 Fountain Dr, Irving, TX, 75063
Jatayu Loans LLC is an Equal Housing Opportunity lender and/or mortgage broker, as applicable. This website is for informational and lead generation purposes only and is not a commitment to lend. All loan programs, terms, rates, fees, and conditions are subject to change without notice. All loans are subject to credit approval, underwriting guidelines, and property approval.
Refinancing may result in higher total finance charges over the life of the loan. Not all borrowers will qualify. Loan products may not be available in all states.
Jatayu Loans LLC is not affiliated with, endorsed by, or acting on behalf of any government agency, including the FHA, VA, USDA, or any other government entity.
By submitting your information, you agree to be contacted by Jatayu Loans LLC and its licensed mortgage professionals by phone, text message, and/or email regarding mortgage products and services, including through automated technology. Consent is not required as a condition of obtaining credit.
To verify licensing information, visit https://www.nmlsconsumeraccess.org.