Pre-Qualification Formula

Learn the exact formula the bank will use to pre-qualify you for a home loan.

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  • Are you thinking about buying a house for the first time but you're not sure where to start?

  • Are you afraid that you might not qualify to buy a house and are nervous to go to the bank to find out?

  • Do you just want to know what the bank will look at when you go to apply for a mortgage?

  • Or do you want to know how much house you can get a loan for without talking to anyone and just doing the calculations yourself?

With this course you'll learn what steps the bank will take when determining how much you are able to get a home loan for. The guided videos will walk you through the process of what mortgage professionals (these include banks, mortgage brokers, various other lenders, etc) will look at to qualify you for a home and help you find your perfect loan scenario for you.

We will look at:

  1. Your Income, I will outline what to include if you are an salaried or hourly employee or even if you have additional jobs
  2. Long Term debts and how they affect your ability to get a loan
  3. Your Debt to Income Ratio and why this is so important
  4. What is included in your monthly payment, are there additional items you may not yet know about?
  5. Down Payment and closing costs, how much money do you really need?
  6. What's next?

By the end of this course you should feel confident in what the bank will ask for and how much you should be able to pre-qualify for.

I am not a real estate agent, I am not affiliated with any banks, I have literally no financial interest in you buying a house.

I am a real person who really wants to help you make the best and most informed personal finance decisions especially when it comes to buying a house.

So let's get started!


"Without Kelly's help and guidance we were completely lost on where to start when we wanted to buy our home, while expecting our second child. Kelly made sense of all the 'jargon' that banks were using, and made the task seem possible. We are forever grateful for her help in navigating this life-changing step towards our future. She never judged the location, size, type or cost of properties we were considering - that alone gave us an unspeakable level of comfort. Can't recommend her pleasant, down-to-earth, honest advice highly enough."

- Scott & Heidi M., First time Home Buyer

Your Instructor


Kelly Leiby
Kelly Leiby

Hi I’m Kelly! I’ve been in the mortgage and finance business for over 15 years, I have owned my own mortgage company and I have successfully helped 1,000’s of people get a loan. Now I want to help YOU. Over the years in dealing with both finance and the mortgage industry, I have learned how to help people just like you get qualified and owning your home faster and with less frustration.


"Working with Kelly not only helped me understand my finances better, but allowed me to buy my dream home much faster than I thought was possible." - Jason, Colorado Home Buyer

Frequently Asked Questions


Who is this course for?
Anyone who is looking to get a mortgage and wants to understand the process of how to get pre-qualified for a home loan. This will review what the bank will look for and give you a good understanding of how much house you will be able to get qualified for. Most importantly this is for someone who is serious about wanting to know if they can get a home loan and willing to do the work to understand the process.
Why do I need this course?
Without exaggeration the single most important step when buying a house is looking at your finances. Even though you might not yet be ready to buy a house it's never too early to start preparing your finances to buy a house.
I'm not sure if this course is for me, I'm a first time home buyer and I'm not sure where to start.
Well great! I think understanding your finances and knowing what the bank will look at when determining if you can qualify for a home loan is the most important step when buying a house. This course also outlines timelines and next steps after you think you are ready to buy a house. It's a great first step.
What if I'm not good at math?
That's okay! I've created a worksheet and a step by step guide that will walk you through how much you can potentially get pre-qualified for. The worksheet does all of the calculating for you, you just have to enter the numbers.
I haven't made up my mind to buy a house yet.
You can never know too much about the home buying process and it can never be too soon. The earlier you start thinking about buying a house and working on your finances the better off you will be!
When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
I truly never want you to have to pay for anything that you don't think is worth it. If you are unsatisfied with your purchase, contact me in the first 30 days and we will give you a full refund.
Does this fulfill Fannie Mae HomeReady® homebuyer education program requirements?
Not at this time but we are hoping to work towards this in the future.

Get started now!



"If I could buy a house this would be the ultimate resourse in helping me decide how much house I could pre-qualify for!"

- Arya the Dog, Wishful Home Owner