Build your personalized mortgage roadmap
Answer a few questions with Alice to explore mortgage paths that may fit your situation and see estimated payment and cash-to-close scenarios.
Go beyond a basic mortgage calculator. HouSave weighs your income, debts, available cash, employment type, property plans, and financing goals together. In about five minutes you have a personalized roadmap and clearer next steps toward buying a home.
About 5 minutes · No credit pull · No application required · Contact details needed to view your full plan
- See a realistic home-price range, not only a monthly payment
- Compare possible mortgage options across Conventional, FHA, DSCR, and more
- See your estimated monthly payment and cash-to-close
- Understand what is helping or limiting your homebuying plan
- No credit pull and no mortgage application
Available in English, Turkish, and Spanish.
This tool provides preliminary information only. It is not a mortgage approval or pre-approval. Alice builds personalized planning scenarios. She is not a licensed mortgage loan officer and does not make lending decisions.
What HouSave does
HouSave turns a short guided conversation into a personalized mortgage roadmap: a realistic home price range, an estimated monthly payment, the cash you would need at closing, and the loan paths worth discussing. Everything here is a planning scenario, and nothing is an application.
Who it is for
First-time buyers
You want to know what is realistic before talking to anyone, and what would need to change to reach the home you have in mind.
Self-employed and 1099 earners
Your tax return does not tell the whole story. HouSave asks about business ownership, time in field, and how your income actually arrives.
Investors
You are weighing a rental or a value-add purchase and want to understand which documentation paths typically apply.
Foreign nationals and newcomers
You are building a US financial profile and need to know which paths are generally available and what a licensed review would look at.
Loan paths that may fit your situation
Conventional
The standard path for salaried and documented income, with flexible down payment planning.
FHA
A government-insured path often used when credit or down payment is tighter.
VA
For eligible service members and veterans, explained at a planning level.
Bank Statement
An alternative-documentation approach that looks at deposits instead of tax returns.
DSCR
An investor path evaluated on the rental income of the property itself.
Foreign National
Guideline-driven paths for buyers without a traditional US credit profile.
Fix and Flip
Short-term, project-based financing referred to a licensed review.
Explore financing paths that may fit your situation, including W-2, 1099, Bank Statement, DSCR, Foreign National, and Fix & Flip. Availability, guidelines and pricing vary by lender, borrower and property, and a licensed mortgage loan originator confirms what is actually available to you.
How it works
- 1
Answer guided questions
Alice asks only what a planning estimate needs. No SSN, no documents, no credit pull.
- 2
See your planning picture
Price range, payment, cash to close, and the factors limiting or helping you.
- 3
Talk to a licensed originator
When you are ready, a licensed review confirms the details HouSave cannot verify.
What HouSave is not
- • Not a mortgage application.
- • Not an approval or pre-approval.
- • No credit pull, ever.
- • No SSN, ITIN, passport, visa, bank account or card numbers.
- • No document uploads.
Who is behind HouSave
Onur Gündüz · NMLS #2768500
Licensed mortgage loan originator
E Mortgage Capital · NMLS #1416824
Phone: 940-208-3493 · Email: onurgunduz@yahoo.com
Equal Housing Opportunity
Common questions
- Is this a mortgage application?
- No. HouSave builds a personalized mortgage roadmap. Nothing you do here starts, submits, or completes a mortgage application.
- Is this a pre-approval?
- No. HouSave does not issue approvals or pre-approvals. A pre-approval requires a licensed mortgage loan originator to review and verify your documents.
- Is there a credit pull?
- No. HouSave never pulls your credit. When a credit score matters for planning, Alice asks you to select an estimated range.
- Does HouSave ask for my SSN?
- No. Alice never asks for a Social Security number, an ITIN number, a passport or visa document number, a bank account number, or a card number, and there is no document upload.