EZ Qual

EZ Qual is a very simple tool that will let you know how much you could qualify for a Conventional, FHA or VA loan based on what you think your income and debt is.  If you are a borrower or a real estate agent, we highly suggest you use the Instant PQ tool to get an accurate answer on the spot.

It is good for quick answers if you already know what income and how much of it can be used, and what debt will count against you. It is mostly used by mortgage loan officers to get quick answers, as it will be highly inaccurate if you enter the wrong information.

We hope you enjoy this free quick tool.

The software is currently being developed by Bluecastle Lending. Coming Summer 2018.

Optimal Debt

You may have heard of the term “Debt to Income” ratio, or DTI. That is because, in the mortgage industry, you qualify for a loan according to the income and debt you have. This tool is interesting if you are wanting to qualify for a larger loan amount.

It is very easy for a mortgage company to tell you “pay down your debt” and leave the blank space of how much of it you have to pay down, or simply tell you “you don’t qualify”. Some borrowers owe a lot, and it would be very difficult to pay all the debt off. However, how much should you pay off? To answer this question, we created the Optimal Debt tool.

Your Optimal Debt is a term that it does not exist in the mortgage industry, however, seeing the need for it Bluecastle Lending created it to identify the debt amount that will help you qualify the most without excessively paying down your debt. It is the exact amount of debt that one more dollar in debt will cost you one more dollar in qualifying power.

It will let you know how much is your perfect monthly debt in reference to qualifying for a mortgage, how much of it does not affect you at all for the mortgage, and the point into which every dollar that you pay in monthly debt decreases your qualifying power one additional dollar.

Go ahead and give it a try. It’s free!

The software is currently being developed by Bluecastle Lending. Coming Summer 2018.



You want to qualify for a higher loan amount, and after optimizing your debt to achieve this you still are not able to qualify for however much you want. One way to achieve a higher qualifying power is to bring a cosigner into the loan.

Using the cosigner income, you could potentially achieve your goal. How much does your cosigner need to make in order for your to qualify for your desired monthly payment?

The Cosigner tool will answer that question. And the answer it’s free!

The software is currently being developed by Bluecastle Lending. Coming Summer 2018.

Income Tax

More often than not, self-employed individuals have a hard time obtaining financing due to their low Adjusted Gross Income on their personal 1040 Tax Return.

One of the most common questions we receive get is “How much do I have to make in order to qualify to buy a house?”

Our Income Tax tool will easily answer that question instantaneously. As long as you report the minimum Adjusted Gross Income that the tool suggests, and your debt stays the same, you will be able to qualify for a Fannie Mae, Freddie Mac or Ginnie Mae backed loan and get a normal interest rate.

The software is currently being developed by Bluecastle Lending. Coming Summer 2018.

Desired Payment

This tool will let you know how much your desired monthly mortgage payment including principal and interest, real estate taxes, homeowner’s insurance, mortgage insurance (if any) and homeowner’s association fee (if any) will represent on a purchase. How much of a house can the entered monthly payment represent on a purchase? Run the tool and instantly find out. It’s free!

The software is currently being developed by Bluecastle Lending. Coming Summer 2018.


Qualify for More… Qualmore!

How do you achieve this? Qualmore is in development and it will be available Summer 2018. It will utilize all the tools mentioned on this page so you can have an immediate answer to your question… how do you qualify for more? Simply put, you increase your income, you reduce your debt, you put more money down, or a combination of all three. There is nothing else you can do.

  • Increase Your Income

Sounds beautiful. How? Ask for a raise! You will be surprised how many employers will reward their good employees! Alternatively, get a new job that pays you more. If in your new job you are a W2 employee with a higher base income than the one you have now, you will be on your way to qualifying for more. After running Instant PQ, note the results and use our EZ Qual tool and enter the new monthly amount to see how much you would qualify under the new income.

An alternative is to increase your qualifying income is to get a Cosigner. Use our Cosigner tool to know how much your Cosigner needs to make so you can qualify for the loan you want.

  • Decrease Your Debt

Another way to qualify for more is to reduce your debt. Run our Optimal Debt tool to figure out your perfect monthly debt amount so it does not decrease your qualifying power. You pay off those accounts with the excessive debt and it will increase your qualifying monthly power by the monthly amount the debt you paid off was.

For example, if you had a personal loan with a balance of $2,100.00 and a monthly payment of $240.00, if you were going to cancel the entire balance you would qualify for $240.00 extra per month as long as your monthly debt was higher than your Optimal Debt. Depending on a number of factors, eliminating the debt could represent between $35,000.00 and $45,000.00 in extra purchasing power.

  • Put More Money Down

When borrowers are unable to qualify for what they want, they immediately say they need to save more money so they could qualify for more. Although this is true, the number of funds they need to save far exceed the benefit they will receive from saving it.

Our Cost of Waiting tool demonstrates how much you can save week after week and compares it to how much real estate and interest rates increases over the same period of time.

But if you have your money in a 401K or 403b or other types of retirement account, it may be wise for you to use it to purchase what you want while you can. Real Estate has always outperformed investment and retirement accounts, and you can’t eat, shower and sleep inside your 401K but you can do all of that and more in your home. The ideal amount to put down is 20%.


The software is currently being developed by Bluecastle Lending. Coming Summer 2018.