VA
MortgageOne
No Credit Pull · No SSN · No Score Minimum · NMLS# 139842 · Equal Housing Lender
Step 1 of 714%
VA Loan Pre-Qualification
What is your goal today?
No credit pull · No SSN · No minimum score · Results in 90 seconds
🏠Buy a Home$0 down · No PMI
📉IRRRL RefiLower rate · No appraisal
💰Cash-OutTap equity · Any purpose
✓ No credit pull
✓ No score minimum
✓ No obligation
🇺🇸 41 veterans got pre-qualified today
📋 How It Works
1
7 Quick Questions
90 seconds · No credit pull
2
See Your Numbers
Payment, DTI, closing costs
3
Book Your Call
Brady locks your rate
Home Purchase
What price range are you looking at?
Drag to your range · Select your state
$300,000
Estimated purchase price
$50k$500k$1M$2M
State determines property tax, insurance, and transfer tax estimates.
Optional — helps us match you with an agent in your area
Insurance & Taxes
What are your monthly HOI and taxes?
Real numbers give the most accurate estimate
Monthly Income
What is your gross monthly income?
Before taxes - include all regular income sources
$
Before taxes. Include base pay, BAH, BAS, disability, any regular income.
Monthly Minimum Debt Payments
🚗 Car payment(s)
$
🎓 Student loans
$
💳 Credit card minimums
$
📋 Other loans
$
Total Monthly Debts$0
Do NOT include rent, utilities, or subscriptions. Only minimum required payments on credit accounts.
VA Loan Details
A couple quick VA questions
Affects your funding fee - potentially saving thousands
Credit Profile
How would you describe your credit?
Helps estimate your rate range - no credit pull
Excellent720 and aboveBest available rates
Good680 - 719Very competitive
Fair640 - 679Good options
Below 640580 - 639Manual UW available
No Score or Below 580Thin file - no credit - under 580 - not sureVA manual underwrite - no score required
Almost Done
Where should we send your results?
Your advisor calls within 15 minutes to review your numbers
Enter 10-digit number — do not include country code (1)
Your information is never sold. You will speak with one licensed VA loan advisor - Brady Bales, MortgageOne. NMLS# 139842.
Step 2 — Verify Your Phone Number
We send a 6-digit code to confirm your number is valid. This ensures Brady can reach you with your results.
✓ No credit pull
✓ No SSN
✓ No obligation
✓
Pre-Qualification Results
Great News!
You appear to pre-qualify for a VA home loan.
Loan Amount
-
📅 Schedule your appointment to review your pre-qualification
⏱
Pre-Qualification Expires In
Rates update daily — lock your numbers now
48:00:00
Debt-to-Income Analysis
0%
Ideal le41%
Eligible 42-55%
Manual 56-65%
$0
Housing Pmt
+
$0
Debts
÷
$0
Income
=
0%
Total DTI
Monthly Payment Estimate
Principal & Interest$0
Property Taxes$0
Homeowner's Insurance$0
PMI$0 - VA loan
Total PITI$0/mo
Estimated Closing Costs
$0
▼
Lender Fees$0
Title & Settlement$0
Prepaids$0
Escrow Reserves$0
VA Funding Fee$0
Total Estimated Closing Costs$0
The VA Funding Fee can be financed into your loan. Sellers can cover most closing costs (up to 4% plus all standard costs). Disabled veterans with 10%+ rating are exempt from the funding fee entirely.
▼ View Full Fee Breakdown
Estimated Purchase Power
-
Based on income, debts, and VA DTI guidelines
Down Payment
$0
VA benefit - zero required
PMI
$0
Never on a VA loan
Est. Rate Range
-
Subject to credit review
Underwrite Path
-
-
Manual Underwrite Pathway Available
Your DTI is in the manual underwrite range (56-65%). VA guidelines allow approval with compensating factors. MortgageOne specializes in these files - this is not a decline.
Residual Income
Cash remaining after all obligations - VA top factor
Payment History
12 months on-time housing and debt payments
Military Service
Service length and re-enlistment probability
Cash Reserves
3+ months of housing payments in liquid savings
Disability Rating
10%+ waives funding fee and strengthens file
Low LTV
Lower loan-to-value reduces lender risk
Preliminary estimate only. Not a commitment to lend. Actual approval subject to full credit review, income verification, VA eligibility (COE), and property appraisal. Closing costs use national and state averages — actual costs vary. VA Funding Fee: 2.15% first use / 3.30% subsequent / $0 for 10%+ disability. IRRRL: 0.50% funding fee. MortgageOne NMLS# 898812. Brady Bales NMLS# 139842. Licensed FL, GA, AL, IL, IN, TN, MO, AZ, PA, VA, CA, NC, TX.
Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, national origin, or any other characteristic protected by law in the sale, rental, or financing of housing. MortgageOne does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, or any other characteristic protected under applicable federal, state, or local law.
Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, national origin, or any other characteristic protected by law in the sale, rental, or financing of housing. MortgageOne does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, or any other characteristic protected under applicable federal, state, or local law.
Your Next Step
Your advisor Brady Bales will call within 15 minutes to review your numbers.
📅 Book a Call - Schedule Your Appointment
📄 Complete Your Application Now
📞 Call Brady - (904) 944-7069
No credit score minimum - Manual underwrite specialists - VA guidelines only
Why MortgageOne for VA
🏠
$0 Down Payment
No down payment on any VA purchase
No down payment on any VA purchase
📉
No PMI - Ever
Save $150-300/mo vs conventional
Save $150-300/mo vs conventional
🎯
No Credit Score Requirement
VA guidelines only - no overlays, no minimum
VA guidelines only - no overlays, no minimum
📋
Manual Underwrite Experts
DTI up to 65% with compensating factors
DTI up to 65% with compensating factors
⚡
IRRRL Specialists
No appraisal - No income docs - Close in 21 days
No appraisal - No income docs - Close in 21 days
What Veterans Say
★★★★★
"IRRRL saved $290/mo. Zero out of pocket. Closed in 19 days."
- Sandra L., Navy - Florida
★★★★★
"High DTI everywhere else. Brady got it through manual underwrite in 26 days."
- Marcus R., Army - Tennessee
★★★★★
"No score overlay is real. At 598 and they still closed my loan."
- Derek J., Marines - Georgia
Analyzing your pre-qualification...
⏳ Calculating debt-to-income ratio
⏳ Applying VA DTI guidelines
⏳ Calculating state taxes and insurance
⏳ Building closing cost estimate
⏳ Preparing your personalized results
⚈ EQUAL HOUSING OPPORTUNITY
MortgageOne, Inc. NMLS# 898812 · Brady Bales NMLS# 139842 · Licensed FL, GA, AL, IL, IN, TN, MO, AZ, PA, VA, CA, NC, TX · Not a commitment to lend · Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law (Title VIII of the Civil Rights Act of 1968, as amended) and the Equal Credit Opportunity Act. We do not discriminate against any person on the basis of race, color, religion, sex, handicap, familial status, national origin, or any other characteristic protected by law in the sale, rental, or financing of housing. All residential mortgage financing is available to all qualified applicants without regard to the above-listed characteristics.