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– Step 1 of 13

Buying a home is a big step, and we’re here to help you take it.

Where are you in your home buying journey? *

Just getting started
Making offers
I signed a purchase agreement

Sounds good. When do you hope to buy your new home?

Within 30 days
In 2 – 3 months
In 3 – 6 months
More than 6 months

**It’s okay if you’re not sure yet. Just give us your best guess.

Okay! Let’s start by getting you prequalified.

This is another way of saying “let’s estimate what you could afford.” It’s a great place to start since it’ll help you search for the right homes.

Just answer a few questions, then chat with an expert about your next best steps. Plus, learn how you could get up to $10,000 off closing costs from Orozco Home Loans!

Great! Let’s help you stand out from other buyers.

The first step is to get you prequalified. Then, a Home Loan Expert will work on upgrading you to the strongest approval possible and explain how you could get up to $10,000 off closing costs from Orozco Home Loans!

Before we jump in, have you found the home you'd like to buy? *

Exciting! Let’s talk about it.

We’ll just need a few details to help set you up for success.

That’s totally normal!

Let’s talk about what you’re looking for. Then, we’ll help you with your home search by showing what you could afford.

Where would you like to buy a home? *

It’s okay if this changes later.

Why is this asked?

We ask this to understand what your taxes and insurance might look like. This will help us prequalify you for the right amount.

How do you plan to use your future home? *

As a primary residence
As a vacation home
As an investment property

What are the differences?

A primary residence is where you live for most of the year.
A vacation home is somewhere you live for part of the year.
An investment property is often used to generate income.

Where does your price range start? *

Our goal is to get you prequalified for at least the price you enter. That means you could be prequalified for more.

Are you already working with a real estate agent to buy your new home? *

Great! What’s their contact info?

Adding this is optional but will help us keep your agent in the know for a smoother process.

Agent's Name

First

Last

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Agent's Email

Agent's Phone

Do you currently own or rent? *

Own
Rent
I don’t own or rent

What if I pay to live somewhere but I’m not on a lease?

If this is the case, you should say you don’t own or rent. Same goes if you live with someone and don’t pay anything at all. This is common for people who live with family or a friend.

What’s your current address?

Address

Address Line 1

City

State / Province / Region

Postal Code

Country

Why is this asked?

We use this info to help verify your identity – don’t worry, it won’t affect anything related to your buying plans.

Next, we’ll need some personal info.

These are standard questions to verify that you’re you. Everything you enter is completely secure.

Okay! Let’s add your contact info.

All data is protected with bank-level encryption.

Name *

First

Last

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Email *

Phone *

Thanks

Are you in the military, a Veteran or a surviving spouse?

I haven’t served
I’m currently serving
I served in the past
I’m a surviving spouse

Knowing this will help us see if you could get a Veterans Affairs (VA) loan.

Are you a Purple Heart recipient?

Do you receive VA disability benefits?

Are you married?

Does being married affect my chances of getting a mortgage?

Not at all. You can never be denied for a mortgage based on your marital status.

What if I’m not married, but want to apply with someone else?

If you’re not married but want to apply with someone else, you should select No and continue entering only your info for now. A Home Loan Expert will get the other person’s contact info from you later.

Will your spouse be on the loan?

On to your finances!

We’ll ask a few questions about your income and available funds. Don’t worry about grabbing any forms or documents – estimates are okay for now.

What's your yearly income before taxes? *

This is the same thing as gross income. You don’t need to be exact but try to get as close as possible.

What counts toward yearly income?

You should factor in base pay, overtime, bonuses, and any other consistent sources of income like retirement, child support or disability benefits.

Next, go ahead and list your funds.

It’s best to include everything you can think of, even if you don’t plan on putting it toward your home.

Why should I list everything?

When you list all your funds, we can get a more complete picture of your finances. This helps us do a couple things:

Customize your loan options.
Maximize what you can afford.

Right now, you don’t need to worry about linking any accounts or proving that you have these funds. Later, a Home Loan Expert will ask you to verify what’s needed for a down payment and closing costs.

My Financial Accounts
Gifts

What else should I know about financial accounts?

To use stocks, retirement 401(k), IRA, or money market accounts f or your home, you’ll need to convert the funds to cash at some point. A Home Loan Expert can help answer any questions about how this works later.

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Account Type

Acct. Nickname

$ Amount

What else should I know about gifts?

Here are a couple things to keep in mind:

Gifts can’t come from anyone connected to the home purchase. For example, you can’t use gifts from the seller, builder, developer or real estate agent.
Each gift giver will eventually need to write a letter saying they don’t expect you to pay them back.

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Gift Giver

$ Amount