Get Your Florida Pre-Qual in 60 Seconds

Built for first-time Florida buyers. Skip the credit-pull anxiety and the paperwork shuffle. Answer a few quick questions and a licensed FL loan officer will send your personal pre-qualification letter the same day.

No Hard Credit Pull No SSN Required at This Step FL-Licensed

Opening Doors. Closing Loans.

60-Second Pre-Qual

Step 1 of 9 — no credit pull, no SSN.

Getting Started

What's your target home price in Florida?

$400,000

$150K$1M

Which Florida county?

Please pick a county.

Estimated credit score?

Choose your estimated range.

Estimated annual household income

Please enter your annual income.

Are you currently working with a Realtor?

Pick one.

What's your first name?

First name required.

Where should we send your pre-qual letter?

Enter a valid email.

Best phone number?

Enter a valid 10-digit phone.

One last thing

Please agree to receive your pre-qual updates.

✓

Thank you!

Check your email for your pre-qual letter. We'll text shortly to confirm your details.

Why Florida Buyers Choose UBI Equity Group

Seven reasons our pre-qual is built differently for first-time buyers.

Pre-Qual Without a Credit Pull

We use a soft snapshot — your FICO score stays untouched until you're ready to formally apply.

FL-Specific Market Data

Pricing, taxes, HOA, and insurance baked in by county. Florida is its own beast — we treat it that way.

Conventional, FHA, VA, USDA

Every major loan type compared on your behalf so you see the best fit before you commit.

Dedicated Loan Officer

One human guides you start to finish. No call-center handoffs, no "your assigned rep is out today."

Transparent Rate Disclosure

You see the actual rate, APR, and fees. No bait-and-switch teaser numbers.

Fast 24-Hour Response

Most pre-qual letters land in your inbox the same business day. We respect your closing timeline.

No Obligation

Get the letter, shop houses, decide later. No pressure, no contract until you say go.

Frequently Asked Questions

Everything Florida first-time buyers ask us before we send the pre-qual.

Pre-qualification is a lender's informal estimate of how much you can borrow, based on income, debt, credit range, and down payment. It's the first step before a full pre-approval and gives sellers confidence you're a serious buyer.

No. Our 60-second pre-qual uses a soft snapshot — there's no hard inquiry, no impact on your FICO. A hard pull only happens later when you formally apply for the mortgage and authorize it.

Same business day in most cases. If you submit before 4pm ET on a weekday, your letter typically arrives within a few hours. Weekend submissions are reviewed Monday morning.

For the pre-qual letter, nothing — just the questions above. When you progress to pre-approval we'll request: 2 recent pay stubs, last 2 years W-2s or tax returns, 2 months of bank statements, and a copy of your ID.

Florida has the same federal minimums as everywhere else: 3% for Conventional 97, 3.5% for FHA, 0% for VA and USDA (where eligible). Florida-specific down-payment-assistance programs can stack on top.

FHA is usually friendlier for credit under 680 and accepts higher debt-to-income ratios, but charges mortgage insurance for the life of the loan. Conventional is cheaper long-term if your credit is 700+ and you can put 5% or more down. Your dedicated officer will run both side-by-side.

Yes. Florida Housing's Hometown Heroes, FL Assist, and HFA Preferred programs all offer down-payment and closing-cost assistance that pair with FHA loans. Eligibility depends on county, profession, and income — we'll flag what you qualify for.

Typically 60–90 days. If you haven't found a home by then, a quick refresh is all it takes — your data is already on file with your dedicated officer.