Limited Time Offer $84 → Free

Stop Guessing!
See Your True Mortgage Score

Your credit score plays a critical role in qualifying for a mortgage.
With Loaning.ai, understand your real option early — we cover up $84 of your credit report cost.

You can check the FICO® mortgage score
lenders actually use to evaluate your mortgage application.

Why Credit Karma
Isn't Enough

Understanding the difference between credit scores can save you thousands on your mortgage.

What Credit Karma Shows
Most free credit apps, including Credit Karma, show a VantageScore — commonly used for credit cards.
What Mortgage Lenders Use
Mortgage lenders typically rely on FICO® scores when reviewing applications and setting interest rates.
Why This Difference Matters
- You could be declined for a loan you expected to qualify for
- Or pay significantly more interest over the life of your loan

Know Where You Stand —
Before You Apply

Get the information lenders use to evaluate your mortgage application.

Lender-Grade
Credit Report — Free
We cover the full $84 cost so you can access a professional, lender-grade credit report with no upfront fees.
Real Mortage
Credit Scores
See your mortgage FICO® scores from Experian, Equifax, and TransUnion — the same data lenders review.
Your True
Buying Power
Understand how your current debts affect your DTI and see how much home you can realistically afford right now.

Ready to See
Where You Stand?

First Name

Last Name

SSN Your SSN is fully protected and used solely for identity verification.

Email Address

I authorize Loaning.ai to obtain a soft credit report.
I understand this will not affect my credit score.

Is this safe? Yes.

We use Soft Pull technology to retrieve your complete credit report without leaving a "hard inquiry" on your record. Your credit score will not be affected. This check is completely invisible to lenders and won't impact your ability to apply for credit.

Credit Report Access

View your full credit report.
See the factors affecting your score, like payment history or credit utilization.

Worried About
Spam Calls?

Before any future hard pull, you can reduce unwanted lender marketing calls. Learn how to opt out easily.

Go to Opt Out Page

Ready to buy a home?

Use your score to explore
Conventional, FHA loan options with us

Legal Disclosures & Licensing

No Impact on Credit Score: Loaning.ai uses a "soft credit pull" to provide your mortgage credit report. This process will not affect your credit score or appear as a hard inquiry to other lenders.
Pre-qualification Disclaimer: This service provides a pre-qualification estimate for informational purposes only. This does not constitute a commitment to lend or an offer of credit. Final loan approval is subject to full underwriting, including verification of income, assets, and property details.
Licensing Information: Loaning.ai is a trade name of HABITFACTORY USA, INC. DBA Loaning.ai, a licensed mortgage lender. For a full list of our state licenses and regulatory disclosures, please visit our Licensing Page. NMLS ID: #2357195 (Verify via NMLS Consumer Access).
Privacy & Account Cancellation: Your data is secured with industry-standard encryption. By using this service, you agree to our [Terms of Service] and [Privacy Policy]. If you wish to opt-out of our services or request data deletion, you may do so at any time by canceling your account within the application settings.
Equal Housing Lender: We conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.