Jhenesis Mortgage · Free Loan Qualifier
Find Out Which Mortgage
You Actually Qualify For
8 questions. 3 minutes. No credit pull, no Social Security number required.
We match you to the right loan program — and tell you exactly what to do if you’re not quite there yet.
W2, self-employed, and ITIN welcome
Foreign nationals qualify
Investors: DSCR & fix-and-flip
Results sent to your inbox
Stacy Ann Stephens | NMLS #1933745 | Jhenesis Mortgage NMLS #2532705
This tool provides a general loan match estimate only and does not constitute a commitment to lend or a formal pre-approval.
Loan approval is subject to full credit review, income documentation, and lender guidelines.
How It Works
From Quiz to Keys — Here’s the Path
This isn’t a generic online pre-qual that just asks your zip code. This is based on real lender guidelines for every loan type we offer.
01
Answer 8 Questions
Credit, income type, down payment, residency — the same things I ask every client on day one.
02
Get Your Loan Match
We map your answers to real QM and Non-QM guidelines and show you your best product fit.
03
See What to Adjust
Not quite there? We’ll show you exactly what changes to make and what that unlocks for you.
04
Get Pre-Approved
A 15-minute call with me gives you a real pre-approval letter — with a number you can shop with.
Loan Programs
Every Borrower Has a Path
From veterans to investors to international buyers — there’s a loan built for your situation. Here’s what we match you against.
The Patriot Path
VA Loan
0% down. No PMI. Only ~15% of veterans use this benefit — don’t be one who leaves it behind.
The Foundation
Conventional Loan
Best rates for W2 buyers with solid credit. 3–20% down, flexible terms up to 30 years.
The First Step
FHA Loan
580+ credit, 3.5% down. The most forgiving qualified mortgage available for first-time buyers.
The Investor’s Key
DSCR Loan
No tax returns. No employment verification. The property qualifies — your income doesn’t matter.
The Entrepreneur’s Edge
Bank Statement Loan
Self-employed? 12–24 months of deposits replace tax returns. Your write-offs won’t penalize you here.
The New American Path
ITIN Loan
No SSN? No problem. If you pay US taxes with an ITIN, you can own a home in Florida.
The Global Arrival
Foreign National Loan
No US credit. No SSN. Passport + foreign bank statements + 25–30% down. Florida is yours.
The Launchpad
Down Payment Assistance
Florida grants and forgivable loans that cover your down payment. You may not need as much cash as you think.
For Real Estate Agents
Know If Your Buyer Is Qualified Before You Show a Single Home
Send every buyer through the Jhenesis Loan Match before your first showing. Stop chasing unqualified leads. Start every client conversation knowing where they stand — and what it’ll take to get them to the closing table.
Ready to Make It Official?
Get a Real Pre-Approval — Not a Website Guess
The Loan Match tells you where you likely stand. A pre-approval tells you exactly what you can buy. Fill out the form and I’ll reach out within one business day.
SS
Stacy Ann Stephens
Mortgage Broker · NMLS #1933745
Response within
1 business day
Jhenesis Mortgage NMLS #2532705 · Stacy Ann Stephens NMLS #1933745 · Equal Housing Lender
Submitting this form does not constitute a commitment to lend. Your information is never sold.
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Stacy Ann Stephens
Mortgage Broker · NMLS #1933745
I’ve been in Florida real estate for over 24 years. I immigrated from Jamaica, I watched the 2008 crisis unfold up close, and I’ve spent my career helping people — especially those the traditional system overlooks — find their way into homeownership and investment. This tool is the first conversation I’d have with you, in quiz form.
Stacy Ann Stephens NMLS #1933745 | Jhenesis Mortgage NMLS #2532705 | Equal Housing Lender
