Find Out How Much Home You Can Afford
Know what you can afford before you start searching — for a primary home or an investment property.
Do I Qualify?
To qualify for a conventional mortgage, lenders typically look for a debt-to-income ratio around 43% of gross monthly income toward the new housing payment, with total monthly debts often capped near 50%. FHA and VA loans can allow higher ratios on a case-by-case basis. We’ll review credit, down payment, occupancy, and property type so you know where you stand before you write an offer.
Home Purchase Loans without the Hassle
Primal Lending is an all-in-one mortgage brokerage for conventional financing on primary residences and investment properties — plus FHA, VA, USDA, jumbo, 203(k), ARM, reverse, and DSCR programs when they fit.
Choosing a purchase product that matches your goals does not have to be stressful. We help first-time buyers and repeat buyers compare programs clearly, starting with a pre-qualification so you can shop with a letter in hand.
Whether you are buying a home to live in or a rental to grow your portfolio, we shop multiple wholesale channels so you are not stuck with the first offer you see.
The Home Purchase Loan Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.