Step 1 of 12
Confirm your numbers.
Tell us about the home you're looking to buy and a bit about you to get started.
$650,000
20% · $130,000
Tell us a bit more
Step 2 of 12
Let's confirm who you are.
We need a few more details to complete your profile. Your information is encrypted and secure.
Contact & Account
Step 3 of 12
Where do you live?
Lenders require 2 years of address history. We'll ask for a previous address only if you've been at your current home less than 2 years.
Current Address
Former Address (if less than 2 years at current)
Step 4 of 12
Tell us about your work.
We need your current employment. If you've been in this job less than 2 years, we'll ask for your previous employer too.
Current Employer
Previous Employer (if less than 2 years current)
Step 5 of 12
What do you earn?
List all monthly income from all sources. Include all that apply — the more complete this is, the stronger your application.
Monthly Income — Primary Employment
Other Income Sources
You don't have to list alimony, child support, or separate maintenance income if you don't want it considered for this loan.
⚡ Lonnie previews your numbers — enter your income above for a general estimate, not a credit decision.
Step 6 of 12
What do you have saved?
List your bank accounts, retirement accounts, and investments. This shows lenders you can cover your down payment and closing costs.
Bank Accounts
Retirement & Investments
Other Assets
Step 7 of 12
What do you owe?
List all monthly debts — credit cards, car loans, student loans, personal loans. This calculates your debt-to-income ratio in real time.
Monthly Debt Obligations
Type / Lender
Monthly Payment
Balance Remaining
Other Monthly Obligations
DEBT-TO-INCOME RATIO
—
Based on your income and debts so far.
Enter your debts above
Enter your debts above
Step 8 of 12
Properties you own.
If you own other real estate, list it here. First-time buyers — you can skip this entire section.
Step 9 of 12
The home you're buying.
Tell us about the property. Once we have everything federal law requires — including your completed application — your Loan Estimate follows within 3 business days.
Property Information
Loan Information
Gifts & Down Payment Sources
Step 10 of 12
A few standard questions.
Every lender asks these. They don't automatically disqualify you — they help us find the right program and structure. Final eligibility is subject to lender underwriting.
About This Property
Will you occupy this property as your primary residence?
Have you had an ownership interest in a property in the last 3 years?
About Your Finances
Are there any outstanding judgments against you?
Have you declared bankruptcy in the last 7 years?
Have you had a property foreclosed or done a short sale in the last 7 years?
Are you currently delinquent on any federal debt?
Are you a party to a lawsuit?
Are you obligated to pay alimony, child support, or separate maintenance?
Are any funds for this loan borrowed (not a gift, not your own savings)?
Are you a co-signer or endorser on another loan?
Step 11 of 12
Almost there.
Federal law requires us to ask the demographic questions below — you may decline to answer any of them. This information is never used in lending decisions; it helps regulators ensure fair access to credit.
Military Service
Are you currently serving in the U.S. military, or have you ever served?
Demographic Information We're required to ask — you may decline to answer (HMDA)
Step 12 of 12
Review & sign.
Everything looks great. Review your application summary, then authorize your credit check to get your pre-qualification letter.
Loan & Property
Purchase Price$650,000
Loan Amount$520,000
Down Payment20% · $130,000
Loan PurposePurchase — Primary Residence
Borrower
Name—
Mobile—
Employment—
Monthly Income—
DTI Ratio—
Credit Authorization
By entering your SSN and signing below, you confirm your identity for this application and authorize Presto Home Loans (NMLS #1499621) to verify the information you've provided. No credit report is pulled and no hard inquiry is made at this step — your pre-qualification is based on the income, assets, and credit range you've told us. A credit report is only pulled later, with your separate authorization, once your file moves forward with a lender. See our California Consumer Privacy Act notice for how your information is collected and used.
Click to sign
Your Documents
Presto Pre-Qualification Summary
Based on the information you provide — generates after submission, then held for a licensed broker's review before it's sent to you.
Official URLA Form 1003
Your loan officer will prepare your official 1003 and send it to you directly.
👩
Sophie
● AI Assistant · Here with you
Hi there! I'll be right here through every step. Just answer what you can and let me know if anything's confusing.
No commitment yet. No credit pull happens until step 12 — when you're ready and you authorize it.