Quick & Easy Pre-Qualification Process

Complete the form below and we will be in contact with you shortly to start the process.

We can pre-qualify you within a matter of minutes.

During the pre-qualification phase, we will discuss different loan programs and the refinance options that are available to you. They will help you make some initial decisions about how much you would like to refinance and give you a realistic idea on what your monthly payments will look like.

Conventional Loans

  • Down payment minimum 3%
  • Loan Term 15/20/25/30 fixed and adjustable
  • Credit score minimum 620
  • Mortgage Insurance – N/A with 20% down or more. Up front, monthly, split and lender paid options if less than 20% down
  • Maximum loan amount – Yes, varies by county

FHA Loans

  • Down payment minimum 3.5%
  • Loan Term 15/20/25/30 years, fixed and adjustable
  • Credit score minimum 500 with 10% down, 580 with 3.5% down
  • Mortgage Insurance – Yes, up front and monthly
  • Maximum loan amount – Yes, varies by county

VA Loans

  • Down payment minimum 0%
  • Loan Term 15/20/25/30 years, fixed and adjustable
  • Credit score minimum 500
  • Mortgage Insurance – No
  • Maximum loan amount – Yes for 0% down, No for VA Jumbo

USDA Loans

  • Down payment minimum 0%
  • Loan Term 15/20/25/30 years, fixed and adjustable
  • Credit score minimum 640
  • Mortgage Insurance – Yes, up front and monthly
  • Maximum loan amount – Yes, varies by county
  • Income restrictions – Yes, varies by county and household size

All rights reserved. This is not an offer to enter into an agreement, not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all areas for all dollar amounts. Other restrictions may apply. United Direct Lending is not affiliated with any government agencies