Start your pre-approval today.

— First-Time Buyers

Takes under five minutes. No commitment required.

Know your numbers before you make an offer.

DTI, reserves, down payment — Nayi runs the real math with you upfront, not after you're under contract.

Start your pre-approval today.

— First-Time Buyers

Takes under five minutes. No commitment required.

Know your numbers before you make an offer.

DTI, reserves, down payment — Nayi runs the real math with you upfront, not after you're under contract.

Start your pre-approval today.

— First-Time Buyers

Takes under five minutes. No commitment required.

Know your numbers before you make an offer.

DTI, reserves, down payment — Nayi runs the real math with you upfront, not after you're under contract.

Close-up environmental shot of a borrower's hands turning document pages on a dark wood desk, a printed rate comparison sheet visible, soft daylight from a window to the left, ink pen resting beside the paper
Close-up environmental shot of a borrower's hands turning document pages on a dark wood desk, a printed rate comparison sheet visible, soft daylight from a window to the left, ink pen resting beside the paper
/ FHA vs. Conventional

Two programs. One clear comparison.

FHA loans allow lower down payments and are more forgiving on credit score. Conventional loans can cost less monthly once your equity grows. Nayi models both scenarios against your actual income and debt before you decide.

The three numbers that matter most.

Debt-to-income ratio determines how much loan you qualify for. Cash reserves tell underwriters you won't default month two. Down payment size sets your rate tier and whether you'll owe mortgage insurance.

Start Your Pre-Approval

Pre-approval through PRMI that sellers respect.

A PRMI pre-approval letter tells listing agents your financing is real. Start the form now — Nayi reviews it personally and calls you directly.