Please call or text us at 352-446-9422, we are typically available from 6am EST to 8pm EST every day! If you call and we do not answer, please send a text. Each customer is very important to us and we strive to provide excellent service! If you have a question outside of the hours listed above, please feel free to send us an email. We will respond within 24 hours!
This tool helps you determine the potential purchase price of a home you may qualify for with the information you provide. This is an estimate only and we do not guarantee these results and this is not a committment to lend. This is not a pre-qualification or pre-approval. All information entered must be verified and is subject to credit approval.
As a W2 employee, please use your gross income. If you have earned Overtime, Bonus, Commission or Tips for at least 1 year, that income can be included also. You may also include any additional income like SSA, Child Support, Alimony, etc if the income can be verified.
As someone that is Self-Employed, we use your net taxable income for the last 2 years. Depending on your business, it might be on a schedule C, form 1120S, form 1065 or form 1120. Gross income cannot be used on most loan programs. If you would like to inquiry about non traditional programs, please email us at rick.scherer@planethomelending.com
Being Retired, you can use income from any verifiable source like Social Security, Retirement, Pension, IRA Distributions, Annuities, etc. Income that is not taxed may also be grossed up 15-25% in most cases. Please include all verifiable income sources in the amount.
Monthly debts are installment (auto, personal, student, etc) or revolving debts (credit cards, lines of credit, etc). Do not include rent, utilities, phone, insurance, etc.
Mortgage companies use FICO scores 2,4 & 5 with the 3 major credit companies. Your qualifying score would be the middle score (throw out the highest and lowest scores).
*By submitting this request, you acknowledge this is only an estimate and Planet Home Lending does not guarantee the results. To be used for information purposes only. This is not a commitment to lend. An application and supporting documentation is required for approval of any advertise loan terms. Equal credit opportunity. Please contact us at (352) 446-9422 with any questions or concerns.
PLANET HOME LENDING, LLC. AND THIS OFFER ARE NOT ENDORSED BY OR AFFILIATED WITH ANY GOVERNMENTAL AGENCY. THIS OFFER IS NOT BEING MADE BY ANY AGENCY OF THE US GOVERNMENT.
This site is not approved by the New York State Department of Financial Services. This site is not intended to solicit business within the State of New York, nor can applications for properties located in the state of New York be facilitated through this site.
