Pre-qualification is a preliminary estimate of your borrowing power based on self-reported income, assets, and debts — with no hard credit pull and no commitment from the lender. It tells you which programs you’re likely eligible for and approximately how much you can borrow. Pre-approval goes further — it involves verified documents and a hard credit inquiry, and results in a conditional lending commitment. Pre-qualification is the first step. Once you find a property, Jhenesis Mortgage moves you into full pre-approval.

No. Pre-qualification at Jhenesis Mortgage does not require a hard credit inquiry and will not affect your credit score. We use a soft pull or no credit check at all depending on the loan program. A hard inquiry only occurs when you authorize a full loan application and submit to a lender for underwriting.

Most pre-qualifications are completed within 24–48 hours of submitting your form. Conventional, FHA, and VA pre-qualifications are often determined on the same day or call. DSCR, ITIN, non-QM, and foreign national pre-qualifications may take 2–3 business days due to program-specific guidelines. Stacy Ann Stephens personally reviews every file — you’ll hear back from a real person, not an automated system.

Yes. Jhenesis Mortgage offers ITIN mortgage pre-qualification for buyers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. U.S. citizenship, a green card, or permanent residency is not required. We also pre-qualify foreign national buyers — international buyers who have no U.S. documentation at all. Submit the form above or call 407-630-9766 to start.

Yes — and DSCR pre-qualification is one of our fastest. A DSCR loan (Debt Service Coverage Ratio loan) qualifies based on the property’s rental income, not your personal income or tax returns. To pre-qualify, you’ll provide basic property details, expected rental income, and down payment. No W-2s, pay stubs, or tax returns needed. Most DSCR pre-qualifications at Jhenesis Mortgage are completed within 1–2 business days.

Absolutely. Self-employed borrowers often face what we call the Smart Tax Paradox — where legitimate deductions reduce qualifying income on conventional loan applications. Jhenesis Mortgage pre-qualifies self-employed borrowers for bank statement loans (income verified using 12–24 months of deposits), P&L-only loans, and DSCR loans for investment properties. Your write-offs don’t have to cost you the loan.

Pre-qualification requires minimal documentation. For conventional/FHA: recent pay stubs, 2 years of tax returns, and bank statements. For bank statement / non-QM: 12–24 months of personal or business bank statements. For DSCR: property details and rent estimate or lease agreement. For ITIN: ITIN documentation and 2 years of ITIN tax filings. For foreign national: passport and proof of foreign income. For VA: Certificate of Eligibility (or Stacy can help you obtain it). You don’t need everything perfect to start — submit what you have and we’ll guide you through the rest.

Yes. Jhenesis Mortgage is VA-certified and pre-qualifies eligible veterans, active-duty service members, and surviving spouses for VA loans in Florida. VA loans offer 100% financing — no down payment — plus no PMI and competitive rates. Important: only about 15% of eligible veterans actually use their VA benefit. If you served, you may be sitting on one of the most powerful mortgage products available. Select “VA Loan” in the form above or call 407-630-9766.