Why CreditsConnect for Mortgages?
Compare, Don't Guess
We show you real mortgage alternatives from our partner network, not a single pre-selected offer.
Matched to What You Qualify For
Our AI reviews real mortgage eligibility patterns, not generic ads — so recommendations are realistic, not aspirational.
Free, No Credit Impact
Getting matched costs nothing, and checking your options doesn't affect your credit score.
Backed by a Human Expert
A CreditsConnect specialist can review your case before you're connected with a lender, especially for complex profiles.
Answer a few quick questions and get a personalized mortgage recommendation in under a minute.
Typical Eligibility Criteria
- Down payment: commonly 3-20% of the purchase price depending on loan type and lender
- Debt-to-income ratio within the lender's accepted range, based on your income and existing debts
- A qualifying credit score, which varies by loan program (conventional, FHA, VA, etc.)
- Proof of stable income — pay stubs and W-2s for salaried applicants, or tax returns for self-employed applicants
Mortgages by State/Region
Frequently Asked Questions
What's the difference between a conventional and FHA loan?
FHA loans typically allow lower credit scores and down payments but require mortgage insurance; conventional loans can avoid that insurance with a larger down payment.
Can self-employed buyers get a mortgage?
Yes, though lenders typically require 2 years of tax returns to establish a consistent income pattern.
How much house can I afford?
This depends on your income, debts, down payment, and local property prices — the AI Advisor can give you a personalized estimate.
Talk to a Mortgage Expert
Tell us what you need and a specialist will follow up directly.