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30-year fixed

Loaning.ai
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Following Conditions

Find the Proper Interest Rate for You

  • 30 Years Fixed Rate, P&I Equal Payment
  • W2, FICO 740, LTV 80%, DTI 45%
  • Purchase, Single-family Home, Primary Residence
Find Your Best Rate

Explore various mortgage products

We offer all kinds of loan
Purchase and Refinance

Your Mortgage Partner

Why
Loaning.ai

We provide the best rate and fast closing
moreover, adhere to a strict privacy policy

  • Lowest Interest Rate

    Secure the most cost-effective mortgage
    Discount your monthly payment by reducing the interest rate

  • Maximum Loan Amount

    Find the right loan product for you through AI
    Get help from a full-time Loan Officer instead of a commission-based agent

  • Fast Closing

    7 days is enough
    from pre-approval to actual loan closing

  • No Spam

    We do not and will never sell your information
    No spam, No personal information leaks!

Tools

Everything You Need for a Mortgage Loan

FAQs

Frequently Asked Questions

  • Can foreigners also get a mortgage in US?

    We offer home loans to non-U.S. citizens as well. Mortgages are available not only to U.S. citizens, permanent residents, and work visa holders but also to foreigners.
    As a foreigner, you must meet the following conditions:

    1. Income: You must have sufficient income to repay the loan principal and interest.
    2. Assets: You must have the funds necessary for the down payment and closing costs.
    3. Credit score: You must have a credit score of 580 or higher.
    4. DTI (Debt-to-Income Ratio): Your monthly debt-to-income ratio must be less than 50%.

  • How to get proof of income?

    Borrowers need to verify income or asset for a home loan.

    ① Income Based (Employed)
    ② Asset Based

    The most important point is that you must have been earning a steady income for at least two years. If you have had income for the last two years, you meet the income requirement for mortgage. It’s possible to qualify if you just started a job after completing your schooling. Education can count as work history, whether it’s a doctoral program or trade school.

  • Why assets matter in mortgage approval?

    Assets are a significant compensating factor when applying for a mortgage. Assets can help you to get easily approved or get a better condition of loan program.

    ① Down payment: Most homebuyers pay about 20% to 25% of the home price as a down payment.
    ② Closing cost : Mortgage closing costs are about 2% to 6% of the loan amount, including property taxes, title insurance and more.

  • What is the minimum credit score requirements for mortgage?

    - Conventional Loan: Minimum of 620
    - FHA Loan: Minimum of 580
    - Jumbo Loan: Minimum of 680 (Fixed) or 700 (ARM)
    - Non-QM Loan: Minimum of 660

    For foreigners without a credit history in the U.S., if they submit the credit report from the resident country it is generally accepted as equivalent to 680 credit score. Foreigners who have a credit score higher than 680 may have the opportunity to get the lower interest rate mortgage program. (who have a credit history in the U.S., for instance, those who previously lived in the U.S. and have purchased a house with a mortgage loan and repaid the mortgage monthly)

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