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SMART MOVES START HERE

Get Prequalified and See What You Can Afford

It only takes a few minutes to get started. No credit impact and no commitment; just a quick soft credit check to give you a clearer picture of what’s possible. 

Get Started
New family sitting on the steps of the front porch of their new home

Mortgage Prequalification: A Smart First Step Toward Owning a Home

Prequalification is a quick and easy way to see how much you may be able to borrow for a mortgage or home loan. You give us some information (your income, debts, savings, the expected amount of your down payment, and a few other details) and we give you an estimate of your potential loan amount and your monthly payment. And don’t worry, prequalification is just a mortgage estimate; it doesn’t impact your credit or require any commitment after. It’s only to help you budget for a home.

Why Get Prequalified First

Know Your Budget

Get a clear idea of what’s within reach so you can focus on homes that fit your price range.

Shop Smarter

Once you know your numbers, you can move forward without the guesswork. 

Stay Ready

When the right home comes along, you’ll have a head start and be ready to take the next step.
  Prequalification Preapproval
What It Is An informal estimate of what you may be able to afford A more detailed review of your finances
What It’s Based On Basic information you provide Verified financial information and documents
Time and Effort Easy; takes just a few minutes Takes more time and requires more documentation
Commitment Level No obligation or commitment A formal step toward getting a loan
When You Use It When you’re just starting to explore options When you’re ready to make an offer
Main Benefit Helps understand your budget Shows sellers you’re serious
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Discover Your Mortgage Possibilities

Fill out a prequalification form online and see what’s possible. Our team is here if you have any questions or want some expert guidance throughout your homebuying process. 

Get Prequalified

Find an Advisor

Horizon Means Guidance You Can Count on, Every Step of the Way

Support From Start to Finish

When it comes to making big moves, you’re never alone. From your first question to closing day, you’ll have a Horizon home loan expert to walk you through the process.

 

Loan Options Tailored to You

Whether you’re buying your first home, building, refinancing, or looking for a specialized mortgage, we’ll help you find the right home loan option for your situation.

 

A Clear, Focused Process

Buying a new home or improving your current one is a wonderful step in life. We make sure it doesn’t feel like a burden. That means clear communication, timely updates, and support when you need it.

 Flexible Home Loans 

With competitive home loan rates and programs for a variety of situations, Horizon helps you find a solution that works for your budget today and your plans for tomorrow.

Online Tools to Keep Things Simple

Apply online, check rates, make payments, and stay connected throughout the process with online banking that makes it easier to take the next step and stay on top of your loan.

Trusted Experience Close to Home

With more than 150 years of serving communities across Indiana and Michigan, Horizon blends the experience of a major bank with the personal attention of a local team.

Mortgage Prequalification FAQs

Once You’re Prequalified, Let’s Explore Your Home Loan Options
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Home Loans

Find the right home loan for wherever you are in your home buying, building, or improving process.

  • Wide range of options: fixed-rate, adjustable-rate, FHA loans, VA loans, and specialty programs

  • Flexible terms and structures designed for different goals, budgets, and timelines

  • Personalized guidance from local mortgage advisors

Apply Now

Explore Home Loans
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Home Improvement Loans

Make upgrades, repairs, and renovations possible with flexible financing options.

  • Loan amounts up to 75% of the completed value of eligible home improvement projects

  • No minimum credit score requirement for qualification in some programs

  • Options for borrowers with limited or non-traditional credit history

Apply Now

Explore Home Improvement Loans
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Community Home Loan Programs

Homeownership can be for everyone. Explore mortgage programs with additional support for qualified borrowers.

  • Specialized programs for low- to moderate-income buyers and underserved communities

  • Down payment and closing cost assistance through grants and partnerships

  • Flexible credit qualification, plus options for limited or non-traditional credit

Apply Now

Explore Community Loans
MORTGAGES AND HOME LOANS

You Don’t Have to Figure It Out Alone

The homebuying process can feel daunting. But it’s a lot easier when you have experts on your side. For over 150 years, we’ve helped customers like you navigate these big life decisions. Find a mortgage advisor near you and let’s start moving forward together.

Find an Advisor
MORTGAGE TIPS AND INSIGHTS
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