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Benefits of a mortgage prequalification mortgage prequalification is a simple process that uses your income, debt, and credit information to let you know how much you may be able to borrow. Prequalification is an optional step that can. Use nerdwallet's free mortgage prequalification calculator to see whether you qualify for a home loan, and if so, what amount you can get prequalified for.

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A mortgage preapproval determines how much you can borrow for your mortgage Mortgage prequalification and preapproval are often used interchangeably, but there are important differences between the two Here’s what to expect from your lender and how to navigate the preapproval process.

Taking the first step toward buying your dream home

It usually takes just one to three days and can be done online or over. Mortgage prequalification helps you better understand your home loan options Learn how it's different from preapproval, how to get prequalified, and more.