Pre-approval estimator

Enter the numbers. Get a real answer.

One question at a time — James's tool estimates where you'd land on approval, using the same math a lender uses.

Step 1 of 5

What's this mortgage for?

Purchase

Refinance

Renewal

Tap an option to continue

What matters most to the client?

Save money — lowest rate

Flexible — higher approval amount

Tap an option to continue

Property

Purchase price

Annual property taxes (auto-estimated from city + price below — edit for an exact figure)

City (fallback only, if no exact tax figure entered)

Property type

Condo

House

Condo fee (monthly) (city average — edit if the client's fee differs)

Loan details

Down payment

Income & credit

Gross annual household income

Other monthly debt payments (car, credit cards, loans)

Credit score band

760+

680–759

620–679

<620

Pre-approval likelihood

—

This is a triage estimate using James's current stress-test qualifying rate and the qualification path selected above — not a lending decision or guarantee. Full underwriting can differ.

Mortgage amount—

Monthly payment—

Property tax (monthly)—

Condo fee counted (50%)—