Mortgage Reality Check

What are you really trying to do?

Start with the real goal. That tells PineTree whether to focus on buying, refinancing, investor math, or equity access before the jargon shows up.

Buy a homeI want to know whether the payment and path look realistic. RefinanceI want to review payment, loan amount, and current equity. Cash outI want to use equity and understand pressure points. Investment propertyI want to check rent coverage and investor path. Use home equityI want to check a second-lien or equity-access scenario.

What kind of income story are you bringing?

This does not box you in. It helps us guess where a lender may ask harder questions later.

W-2 / regular incomePay stubs, W-2s, and a standard documentation path. Self-employed bank depositsBank statements may tell the story better than tax returns. 1099 incomeContractor income with continuity and expense review. CPA P&LProfit-and-loss support instead of full tax-return income. Written employment verificationEmployment support matters more than a standard W-2 path. Rental-income investorRent coverage matters more than personal income. Foreign national investorSpecialist investment review and documentation path.

Enter rough numbers.

Use the best numbers you have today. We are trying to spot the pressure point before the application becomes stressful, not pretending the math is final.

Home price / value Down payment / equity Cash available after normal bills Gross monthly income Monthly debts outside housing Credit range Occupancy Property type

Your first clear read.

This is the point of the check: what matters most, what path looks likely, and what to do next.

Your result updates as the scenario changes, so you can see what is really driving the answer.

Find out what payment you can live with before a lender tells you what you can borrow.

Borrower reality check

What are you really trying to do?

What kind of income story are you bringing?

Enter rough numbers.

Your first clear read.

If the result changes a lot when you adjust one number, that is the clue.