Soft check · no credit impact

See what mortgage you qualify for, in about two minutes

Answer a few questions and get a real read on your mortgage readiness — before you talk to a single lender. Soft credit check only, so your score is never touched.

Prequalify Now See today's rates
No impact to your credit score No obligation Takes about 2 minutes
Answer in minutes Soft check only
MR
Maria Reyes
Your result · just now
Likely prequalified
Estimated credit score 0/850
  • Debt-to-income Within range
  • Payment history Looks good
  • Mortgage readiness Strong
Soft inquiry · no score impact Pre-Fi
Today's rates

Where rates stand today

Rates move daily. Find out what you actually qualify for in about two minutes.

7.33%
30-Yr Fixed
6.98%
15-Yr Fixed
6.98%
30-Yr FHA
6.99%
30-Yr VA
Rates move daily — lock in your answer

National average rates as reported by Mortgage News Daily as of October 25, 2026. For informational purposes only — not an offer of credit, a rate quote, or an APR; rates do not include points or fees and change daily. Your actual rate depends on your credit profile, loan type, and other factors.

Prequalify now

Check what you prequalify for

A soft credit check with no impact to your score — and no obligation to move forward.

Online prequalification is launching here soon

Check back shortly — you'll be able to see what you qualify for in about two minutes, with no impact to your credit score.

Buying a home

Know your buying power before you shop

Walk into every showing knowing what you can afford. Sellers and agents take prequalified buyers seriously.

STEP 01

Answer a few questions

Your name and a few basics. No document uploads, no application packet, no phone call required.

STEP 02

A soft check runs instantly

We run a soft credit check in seconds. It never shows up as an inquiry to lenders and never touches your score.

STEP 03

See your buying power

Get a clear read on where you stand and what comes next — so you can shop with confidence, not guesses.

Prequalify to buy
Refinancing

Already own? See if refinancing pays off

If rates have moved since you closed — or your credit has improved — refinancing could lower your payment or unlock the equity you've built. Check where you stand without a hard pull or a sales call.

Check my refinance options

Reasons homeowners refinance

Soft check · no score impact
  • Lower your monthly payment
  • Cash out equity for renovations or debt
  • Drop private mortgage insurance (PMI)
  • Shorten your term and pay less interest
Why check with Pre-Fi Soft check — your score is never touched 600+ loan officers in network Minutes to an answer, not days
FAQ

Questions, answered

Prequalification is a quick, early read on whether you're likely to qualify for a mortgage and roughly how much home you can afford. It uses a soft credit check and the information you provide — no application packet, no document uploads.

No. Prequalification uses a soft inquiry, which never affects your credit score and isn't visible to lenders. Only a hard inquiry — the kind that comes with a full application — can impact your score, and that happens later, only if you choose to move forward.

Pre-approval requires a full application and a hard credit pull. Prequalification comes first: it tells you whether pre-approval is worth pursuing, before your score takes the hit. If you prequalify, you go into the pre-approval process with confidence.

No — checking what you prequalify for is free, and there's no obligation to move forward with anyone.

No. Prequalification is an estimate based on a soft credit check and the information you provide — it's not a loan approval or a commitment to lend. A lender makes the final decision after a full application.

The rates on this page are national averages, not offers. Your actual rate depends on your credit profile, down payment, loan type, property, and the lender you choose — and rates change daily. Prequalifying is how you find out where you actually stand.

Find out where you stand

Two minutes, a soft check, and a real answer — before you talk to a single lender.

Prequalify Now

Pre-Fi is not a lender and does not make credit decisions, loan offers, or commitments to lend. Prequalification is an estimate based on a soft credit inquiry and information you provide; it is not a loan approval or a commitment to lend. Displayed rates are national averages as reported by Mortgage News Daily and are not offers of credit. Equal Housing Opportunity.