Not sure if you can buy a home yet? Find out in two minutes.
Most people who ask me this have never had anyone actually look at their numbers. They just assume. So here is the easiest version: four questions, no credit pull, no commitment, and I’ll call you with a straight answer.
This is a friendly self-check, not a credit decision. Nobody approves you or denies you on this page. It simply starts a conversation — and if the answer is “not yet,” I’ll tell you exactly what to work on.
- Two minutes, four easy questions
- No credit check, no credit impact
- Answers go to James, not a call center
- Nothing to pay, nothing to sign
James Cox reads every one of these himself and calls you back personally.
Your 2-minute self-check
Four questions, then just your name and number.
No credit pull
This self-check never touches your credit
4 questions
Under two minutes on your phone
Independent broker
Sponsored by The Loan Factory, NMLS# 320841
Metro Detroit
Wayne, Oakland and Macomb counties
Every buyer’s situation is different. I don’t run people through a template — I tailor your scenario individually and find the benefit in your circumstances, wherever you’re starting from.
Two minutes, that’s all
Most people are closer than they think. Nobody has told them so.
Read this first
There is no such thing as too early to ask.
I talk to people every week who are embarrassed to ask. They assume their credit is too low, their savings are too thin, their job history is too short — and they have decided all of that without anyone checking.
So let me take that off the table. This tells you nothing final. It is not an approval and it is not a denial. It is a starting point, and the answers help me figure out which programs actually fit your situation instead of guessing.
If the answer is “not yet,” that is still a win — because you’ll leave knowing exactly what to work on and roughly how long it might take.
How it works
Three steps, and the first one takes two minutes.
You answer four easy questions
Two minutes, on your phone, no documents to dig up. You can even leave a question blank if you would rather not say — it still starts the conversation.
James looks at it and calls you
He reviews your answers himself, then calls you at the time you picked and tells you plainly where you stand. No credit pull happens just because you filled this in.
You get a real answer and a real next step
Whether that is “you’re ready, let’s get you pre-approved” or “not yet — here is exactly what to work on,” you will walk away knowing something you did not know before.
Ready? It really is four questions and your phone number.
Start my 2-minute checkBefore you ask
The four things everyone wants to know.
Is this a credit check?
No. This self-check is not a credit pull and it does not affect your credit score in any way. It is you telling James a little about your situation so he can give you a straight answer on the first call. If you decide to move forward with a pre-approval later, that is a separate step and he will tell you before he runs anything.
Does it cost anything to talk to James?
No. The conversation is free and there is no obligation, ever. You do not pay a broker for a first conversation, and you are not signing up for anything by filling this in. If it turns out it is not the right time, that is a perfectly good outcome and James will tell you so.
What if I don’t qualify yet?
Then you have found out the single most useful thing you could know, and James will tell you what would change it. Sometimes it is a few months of paying down a card, sometimes it is a different loan program, sometimes it is a Michigan assistance program that changes the whole math. “Not yet” is a plan, and it is usually a shorter wait than people assume.
I’ve never done this before. Am I too early?
There is no such thing as too early to ask. Plenty of the people James talks to are a year out, or just thinking about it, or convinced they would be laughed at. Nobody gets laughed at here. Knowing where you stand early is exactly how you end up ready when you find the house.
James Cox, The Loan Strategist
Two minutes now beats another year of wondering.
Answer the four questions and I’ll call you personally. If it turns out you’re not ready yet, you’ll still leave the call knowing exactly where you stand — and that part is free either way.
Serving Wayne, Oakland and Macomb counties · Independent broker sponsored by The Loan Factory