Ali Hallal
Mortgage Loan Officer · Universal Mortgage
NMLS #1751817 · Licensed in Michigan
FREE · NO CREDIT PULL · NO OBLIGATION
Mortgage Pre-Qualification Estimator
Get a rough estimate of what you may qualify for in under 2 minutes. Answer a few quick questions and see your options instantly.
1 · Income
2 · Liabilities
3 · Results
Income & Down Payment
Tell us about your income and savings to get started
$
$
Common amounts: 3% conventional · 3.5% FHA · 10% · 20%
Please fill in your annual income and select a credit score range to continue.
Monthly Liabilities
Enter your monthly payment for each category. Leave blank if it does not apply to you. These are used to calculate your debt-to-income ratio.
Car payment(s)
All vehicle loan payments combined
$
Student loans
Monthly student loan payment
$
Credit card minimums
Total minimum payments on all cards
$
Personal loans
Any personal or installment loans
$
Child support / alimony
Court ordered monthly obligations
$
Other monthly debts
Any other recurring obligations
$
YOUR ESTIMATE IS READY
Good news — you may have options!
Based on the information you provided. Scroll down to see your full breakdown.
Est. home price range
—
rough estimate
Est. loan amount
—
approx. loan needed
Est. monthly payment
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principal + interest only
Debt-to-income ratio
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—
DTI Breakdown
Lenders typically want your total DTI below 43-45%
0% Ideal36% Good43% Max50%+
Loan Options You May Qualify For
Based on your estimated profile — actual eligibility requires a full review with a licensed loan officer
Ready to make it official?
If you are serious about moving forward start your full application here. It takes about 5 minutes and Ali will personally review your file and reach out within 24 hours.
Start My Full Application — Takes 5 MinutesSecure application · No credit pull until you authorize it · No obligation
Still have questions? Let's talk.
Not ready to apply yet? No problem at all. DM Ali directly on Instagram or give him a call. Free consultation, no pressure, just real answers about your specific situation.
Important disclaimer: This tool provides a rough educational estimate only and is NOT a pre-approval, pre-qualification, or commitment to lend. Results are based solely on the information you entered and do not account for your full credit history, employment history, assets, all liabilities, property type, or other underwriting factors. Actual loan amounts, interest rates, and monthly payments will vary. Monthly payment shown reflects principal and interest only — property taxes, homeowners insurance, HOA fees, and mortgage insurance (PMI/MIP) are not included and will increase your actual payment. All loans are subject to full underwriting, credit approval, income verification, and property appraisal. Interest rates shown are approximate current market averages and are subject to change daily without notice.
Ali Hallal · NMLS #1751817 · Universal Mortgage NMLS #2385035
Licensed Mortgage Broker in Michigan · Equal Housing Opportunity Lender · Not a commitment to lend.
Ali Hallal · NMLS #1751817 · Universal Mortgage NMLS #2385035
Licensed Mortgage Broker in Michigan · Equal Housing Opportunity Lender · Not a commitment to lend.