What Can I Qualify For? | DahloanGuy at NEXA Lending

Free pre-check — not a loan application

Know your numbers before you start shopping.

Most buyers start house hunting without knowing what they actually qualify for — and end up either heartbroken over a home they can’t get, or selling themselves short on one they could. This quick pre-check fixes that.

🔐 No credit impactNo SSN, no credit pull. Your score stays untouched.

⏰ About 3 minutes10 short questions — most are taps, not typing.

🤝 Zero obligationThis is information, not an application. Nothing is submitted anywhere.

👤 A real human, not a call centerYour results go only to Eric — and your agent, if one invited you.

Why I built this

Too many buyers walk into the biggest purchase of their lives guessing — guessing their price range, guessing their payment, guessing whether a lender will say yes.

I built DahPreCheck so you never have to guess. It runs your numbers against the same guidelines lenders use — VA, FHA, Conventional, USDA, HomeReady and more — and gives it back to you in plain English, so you can walk into every showing and every offer knowing exactly where you stand.

— Eric Dahlberg, DahLoanGuy at NEXA Lending

1. Answer 10 quick questionsMostly taps — no documents needed.

2. See your real numbersEvery program you qualify for, side by side, with payments.

3. You decide what’s nextTalk it through with Eric — or don’t. Your call, literally.

No SSN • No credit pull • No obligation

Eric Dahlberg • NEXA Lending • NMLS #830780 • CA DRE #01874503 • Equal Housing Lender

Military & service background

This determines whether VA financing is available — usually the strongest program when it applies.

Are you a Veteran, active-duty service member, or eligible surviving spouse?

Please select one option.

Have you served at least 90 continuous days on active duty (or meet your era's minimum / 6-year Guard-Reserve requirement)?

Discharge / character of service

Are you purchasing or refinancing?

This shapes the whole qualification — choose one to get started.

Please select one option.

Street Address (optional — enter if you have a specific property)

City required

City is required.

State required

State is required.

Zip Code required

Zip code is required.

Target Purchase Price

$

How much do you have saved for a down payment?

$

Or choose a percentage:

Is this property in a USDA-designated rural area?

Verify free at eligibility.sc.egov.usda.gov

First-time homebuyer?

Loan Term

Monthly Property Tax (enter your actual amount)

$

Monthly Home Insurance (enter your actual amount)

$

What's your estimated credit score?

This is one of the biggest factors in which programs are available to you and what rate you can expect.

Estimated FICO score

670+ — strong position, most programs open
620–669 — good, FHA & Conventional likely available
580–619 — FHA with 3.5% down
500–579 — FHA with 10% down required
Below 500 — credit repair needed first

Enter a score between 300 and 850.

Any credit events we should know about?

Bankruptcies and foreclosures don't automatically disqualify you — seasoning requirements apply and we'll check each one.

Have you had a bankruptcy?

Type

Years since discharge

Ch.7 typically needs 2 years; Ch.13 typically needs 1 year of satisfactory payments.

Have you had a foreclosure, deed-in-lieu, or short sale?

Years since completed

Typical seasoning is around 3 years.

Have you co-signed a loan for someone else that's still active?

Has the other party been making on-time payments for 12+ months with documentation?

What's your monthly income?

Based on the URLA Form 1003 income categories. Use gross figures — before taxes. Leave any field at 0 if it doesn't apply.

Borrower — Gross Monthly Income

Base Employment Income ($/month)

$

Please enter your base monthly income (0 if self-employed only).

Overtime ($/mo)

$

Bonus ($/mo)

$

Commission ($/mo)

$

Military Entitlements ($/mo)

$

Income from Other Sources ($/mo) — rental, Social Security, pension, child support, alimony, disability

$

Self-Employed / Business Owner (optional)

Lenders use net profit from your tax return. Enter yearly amounts — we divide by 12.

Net Profit from Tax Return (yearly)

$

Schedule C, 1120-S K-1, or partnership K-1.

Depreciation Add-Back (yearly) — if taken during tax year

$

Household size

Used for the VA residual income test (West region).

What are your monthly debt payments?

Include minimum payments on credit cards, auto loans, student loans, and any other recurring debt. Don’t include rent, utilities, or the new mortgage payment.

What’s your name?

So we can personalize your results.

Your full name

Please enter your name.

What’s your email?

Your full qualification results will be ready on the next screen. We’ll also send you a copy.

Email address

Please enter a valid email address.

What’s your phone number?

A licensed loan officer may reach out to walk you through your options.

Phone number

Please enter a valid phone number (10 digits minimum).

🏠

You’re all set, there!

We have everything we need to show you what you qualify for. Tap the button below to see your results.

We'll show your qualification results immediately.