Peter Irungu · Mortgage Loan Officer · NMLS #2751063
Most homebuyers make the same costly mistake: they fall in love with a house before knowing if they can actually buy it.
They spend hours on Zillow, Redfin, Realtor.com, and Trulia, schedule showings with a real estate agent, and picture themselves living there. Then they meet with a lender and discover their debt-to-income ratio, credit score, or budget doesn't align with the home they chose.
Don't let that happen to you.
Start by understanding your numbers. Get mortgage-ready, secure your pre-approval letter, and begin your home search with confidence. When you find the right home, you'll be ready to make a strong offer instead of scrambling to catch up.
Get your mortgage pre-approval letter, get your peace of mind.
No obligation. No credit pull. No pressure. Just clarity before you shop.
Free · 2 Minutes · No Credit Pull
My Success Strategy
Most people start with a house. We start with your numbers. A mortgage pre-approval letter tells sellers you're serious, keeps your Realtor searching in the right budget, and turns your offer into one worth taking seriously, before another buyer with a pre-approval letter beats you to it.
We start with the truth, not a guess. Your free Mortgage Readiness Snapshot below shows your estimated buying power, monthly payment, and debt-to-income ratio, plus which loan programs are realistically in reach, before anything touches your actual credit report.
We review your full financial picture together, choose the loan program that fits, and prepare your documentation. This is where your numbers become a plan, and your plan becomes a mortgage pre-approval.
With your pre-approval letter in hand, you and your Realtor shop in the right budget, submit stronger offers, and move toward closing without the mid-negotiation surprises that catch unprepared buyers off guard.
Start Here: Free & Private
Think of this as the conversation before the conversation. In about two minutes, you'll see an estimate of your debt-to-income ratio, your buying power, and how your credit tier shapes your options. No credit pull, nothing saved. It's the clearest, lowest-pressure way to know where you stand before you ever apply.
Choose Your Path
Your numbers look strong and you know what you want. Start your secure mortgage application and move toward your pre-approval letter.
Get Mortgage Ready Today →Want a deeper, personalized breakdown before you commit? Get a full Home Buyer Analysis (free, with a soft credit check that won't affect your score).
Get My Free Home Buyer Analysis →Not quite there yet? Join a credit-repair program built to get you mortgage-ready: $49.90/month.
Start My Credit Repair Plan →Skip the forms. Book 30 minutes on my calendar and we'll walk through your numbers together, live, over Zoom.
Book My Free Call →Talk It Through
Free · 30 Minutes · Over Zoom
Prefer to talk right now instead? Call or text 253-361-7260.
Why Work With Me
I'll walk you through your options and explain the why behind every number, never just handed a form and a rate.
Direct cell, direct answers. I answer my own phone, from your first question to your closing day.
Conventional, FHA, VA, or USDA: your Snapshot points toward the loan program that actually fits your numbers.
I'm building a long-term relationship, not chasing a single closing. Expect the same guidance whether this is your first home or your fifth.
Questions First
A pre-approval letter tells your Realtor exactly which homes to show you, tells sellers you're a serious buyer, and turns your offer into one that can compete, especially against another buyer who's already pre-approved. It also protects you from falling in love with a home outside your real budget.
Your Snapshot above is a private, in-browser estimate (no credit pull, just your numbers). A pre-qualification is a quick, informal look at what you might afford. A pre-approval is the real thing: I verify your income, assets, and credit, and issue a letter Realtors and sellers can rely on. Most buyers start with the Snapshot, then move toward a full pre-approval when they're ready to shop.
No. It's not a credit pull and no credit report is accessed. Everything runs in your browser using the numbers you type in, and nothing is saved or sent anywhere.
Once I have your documents, most pre-approvals come together within a few business days. The Snapshot above takes about two minutes and is the fastest way to get started today.
Typically 60–90 days, depending on the loan program, and it can usually be refreshed if your home search runs longer. I'll keep it current with you throughout your search.
The Readiness Snapshot above is a private, in-browser estimate (no credit pull, completely free). The Home Buyer Analysis is a deeper, personalized breakdown that includes a free soft credit check, which does not affect your credit score. Credit Repair is an ongoing program, $49.90/month, for buyers who want to actively improve their numbers before applying.
That's exactly what the credit-building path is for. Many buyers spend a few months there first, then come back mortgage ready. It's an ongoing program at $49.90/month. Start credit repair →
Often, yes. Student loans are factored into your debt-to-income ratio, and different loan programs treat them differently. Your Snapshot gives you a starting estimate. I'll walk you through the specifics for your file.
Yes, self-employed buyers qualify every day. It typically involves a closer look at tax returns rather than pay stubs, and I'll walk you through exactly what underwriting will want to see.
Conventional, FHA, VA, and USDA, depending on what your numbers and property qualify for. Your Snapshot points you toward the programs worth exploring first.
Generally: ID, recent pay stubs or tax returns, bank statements, and information on any other debts or assets. Once we talk, I'll send you a personalized checklist so there are no surprises.
Not at all. It's a free planning tool. Whether you apply today, in six months, or never, there's no obligation either way: run it as many times as you want.
Full license details are available on NMLS Consumer Access, or just ask: 253-361-7260.
Tap any "Start My Application" button on this page. It opens my secure application portal, and you can save your progress and come back anytime.