Ben Carney
About Ben Carney
Hello! My name is Ben Carney with Zillow Home Loans, LLC and I have been originating mortgage loans since 2016. Purchasing a home is often a life-changing event, and it is my passion to be part of that journey with you. I value transparency, effective communication, and step-by-step guidance, and I look forward to being your trusted partner throughout the buying process. If you are a first-time homebuyer, refinancing, upsizing, or downsizing, my goal is to make the process as simple and easy for you as possible. I look forward to guiding you through your mortgage journey and helping get ...
Licensed to work in:
Arizona (LO-0949546), California (CA-DFPI1570968), New Jersey, Nevada (NMLO-132386), New York, Oregon
Contact info
Frequently asked questions
- What does it mean to get pre-qualified?
A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and assets to determine an approximate loan amount you may be able to borrow.
Benefits of getting pre-qualified:
See what you can afford
Shop with confidence knowing which homes will fit best within your budget.
Reach your financing goals
Get connected with certified loan officers at Zillow Home Loans or from Zillow's network of lenders to answer your questions.
- Will it affect my credit score?
There's no impact on your credit score to become pre-qualified with Zillow Home Loans.
Lenders will base pre-qualification on the information you provide. Some lenders, including Zillow Home Loans, may do a “soft pull” of your credit, but that won't affect your credit score.
- What happens afterwards?
- First, you'll answer [10-15 questions] about the home you're looking to buy, your credit score, and finances. It takes as little as 3 minutes with no impact to your credit score.
- Once pre-qualified, you'll receive a downloadable letter* to share with your agent.
- Next, you'll connect with a loan officer to confirm your information.
*Exclusions apply based on state and employment regulations.
The next step is to get pre-approved. Most buyers do this before submitting an offer so they can show the seller they're serious and have the financial backing to purchase the home.
