Purchase
Refinance
Loan Product
Toolkit
Credit
- Credit Report
  Get your credit score for free
- Opt Out Credit Offers
  Stop unwanted credit calls and emails
Partners
- For Realtor
  Build your AI real estate site

Apply now
Go to Retail Site
Log in
Log in
Purchase
Apply now
Start your mortgage application
Mortgage Calculator
View current mortgage rates
Compare Rates
See side-by-side rate options
Check Eligibility
Find out if you qualify
Homebuying Guide
Step-by-step buying resources
Find Homes
Search for your dream home
Refinance
Apply now
Explore your refinance options
Mortgage Calculator
View current mortgage rates
Compare Rates
See side-by-side rate options
Check Eligibility
Find out if you qualify
Loan Product
Conventional Full Doc - Conforming
Standard loan with full documentation
Conventional Full Doc - High Balance
Higher loan limits with full documentation
Conventional Full Doc - Jumbo
Large loan amounts beyond high balance limits
FHA Full Document
Government-backed loan with documentation
VOE Only
Verify income through employment only
DSCR
Loan based on rental income ratio
P&L Only
Profit & Loss statement-based loan
Toolkit
Income Calculator
Estimate your qualifying income
Loan Limits by Area
Check max loan limits by location
Blog
Latest updates & mortgage tips
FAQs
Answers to common questions
Credit
Credit Report
Get your credit score for free
Opt Out Credit Offers
Stop unwanted credit calls and emails
Partners
For Realtor
Build your AI real estate site

Blog

Latest updates & mortgage tips

Article Series

Home Buying Guide
18
Mortgage Guide
19
Real estate
25
Glossary of U.S. Real Estate
27

All Articles

Compare Mortgage Rates: Find the Best Deal
Home Buying Guide
Mortgage Rate Calculator: Estimate Your Monthly Payment
Home Buying Guide
Conforming Loan Limits by County: Check FHA & Loan Limits
Home Buying Guide
How Much Income to Buy a House? Use an Income Calculator
Home Buying Guide
New Home Sales vs Existing Home Sales
Home Buying Guide
Real Estate Investment Strategies: 3 Principles the Wealthy Always Follow
Home Buying Guide
Real Estate Investment Tax Benefits: Rental Income Guide
Home Buying Guide
HVAC Home Warranty & More: U.S. Home Checklist
Home Buying Guide
Cul de Sac Street & More: U.S Home Buying Checklist
Home Buying Guide
Student Loan and Mortgage: DTI Impact Explained
Mortgage Guide
Capital Gains Tax When Selling a Home: What You Need to Know
Glossary of U.S. Real Estate
Affordable Housing in Virginia: Top 5 VA Cities for 2026
Real estate

…

HABITFACTORY USA, INC DBA Loaning.ai: Los Angeles : 3435 Wilshire Blvd Suite 1940, LA, CA 90010; Irvine : 2 Park Plaza Suite 350, Irvine, CA 92614; (213) 426-1118; info@loaning.ai

Customer Service: (800) 373-9290
Mon-Fri 9AM-6PM (PST)

Services: Today's Mortgage Rate; Check Your Eligibility; Income Calculator; Homebuying Guide; FAQs; Compare Rates; Apply now; Loan limits by Area; Blog

Company: Careers

Legal: NMLS #2357195; DRE #02181069; Accessibility statement; Terms of use; CCPA policy; Privacy policy; Legal disclaimer; Licenses; Notice at collection

©HABITFACTORY USA, INC DBA Loaning.ai

NMLS #2357195. Go here for the HABITFACTORY USA, INC DBA Loaning.ai NMLS consumer access page.

Get Mortgage Advice Now!