This is not a credit application and no credit is pulled. Figures are yours and unverified. Linton Global Solutions is a licensed Florida real estate brokerage — not a lender — and does not make credit decisions or issue approvals. We are paid no fee, commission, or anything of value for referring your loan.
How it works
You describe the scenario
Eleven fields, one screen. What you are buying, how you will use it, roughly what you are putting down. No documents, no credit pull.
Michael reads it
Every scenario is reviewed by a broker before it goes anywhere. If something in it will trip a lender up, you hear that first — from us, not from a decline three weeks in.
It goes only where it fits
Lenders in the network declare their credit box: program, loan size, LTV, credit floor, occupancy, property type. Your scenario is matched against those, not broadcast.
You choose who to talk to
A match is an introduction, not an obligation. You decide which lenders, if any, you want to speak with — and the prequalification itself comes from them.
Why this costs you nothing, and why that is a legal fact rather than a promotion
Section 8 of the Real Estate Settlement Procedures Act prohibits giving or accepting any fee, kickback, or thing of value in exchange for referring residential mortgage business. Linton Global Solutions accepts nothing from a lender for routing your scenario, and charges you nothing. The fee arrangements permitted on commercial income property do not carry over to 1–4 unit residential, and we keep the two entirely separate — by design, not by memory.
Questions people ask before filling this in
Does Linton Global Solutions prequalify me?
No. Prequalification is a lender’s decision, and Linton Global Solutions is a licensed Florida real estate brokerage — not a lender. We do not extend credit, make credit decisions, or issue approvals. What we do is take your scenario and put it in front of the lenders in our network whose stated credit box actually fits it, so you are talking to the ones who can realistically do the loan.
Does this pull my credit?
No. Nothing here is a credit application and no inquiry is made — hard or soft. The credit range you select is self-reported and used only to narrow which lenders are a sensible fit. A lender pulls credit later, with your permission, if you choose to move forward with one.
What does it cost me?
Nothing, and that is not a promotional offer. Section 8 of the Real Estate Settlement Procedures Act prohibits giving or accepting any fee, kickback, or thing of value for referring residential mortgage business. We are paid nothing by the lender for sending your scenario, and we charge you nothing. The commercial exemptions that allow fee arrangements on income property do not apply to 1-4 unit residential, and we keep those two models strictly separate.
How is this different from a rate-comparison site?
Lead-generation sites sell your contact information to whoever pays for it, which is why submitting one produces a wave of calls from lenders who may not do your loan type at all. We route narrowly instead of broadly — your scenario goes to lenders whose declared credit box matches it, and only after Michael has looked at it. Fewer conversations, and each one with someone who can actually fund it.
Which loan programs are covered?
Conventional, FHA, VA, jumbo, non-QM including bank-statement programs, and DSCR investor loans. If you are not sure which fits, leave it open — the whole point is that a scenario gets matched to a program rather than the other way round.
Do you cover 2-4 unit and investment property?
Yes. One to four units is residential financing throughout. An investment 2-4 unit is often underwritten on the property’s rent through a DSCR loan rather than on your personal debt-to-income, which is how investors scale past conventional financed-property limits. Say so in the notes and we will route it accordingly.
Do you work outside Florida?
Michael R. Linton holds Florida Broker License #BK703722 and the brokerage represents clients on Florida property. For a purchase in another state we introduce you to a Linton Global Solutions referral partner licensed there, who represents you directly.
Want to run the numbers first? Model the payment with the residential mortgage calculator, estimate the table with Florida closing costs, and read how we work 1–4 unit deals on the residential practice page. Buying commercial instead? That runs through Linton Global LenderMatch.