Stop guessing!

Start your mortgage journey
with a credit score

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

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

Why do I need to have my credit checked
when applying for a mortgage?

No Impact
on Your Credit (Soft Pull)
We only run a soft credit check, which means
no credit score impact and no inquiry record on your report.
See Your True
Mortgage Credit Score
This isn’t a Credit Karma or bank estimate. Lenders use a different mortgage score based on all three bureaus — we show the true score they rely on.
Save $42-$84
Instantly
Applying solo? $42. With a co-borrower? $84.
Loaning.ai covers that fee once for free, so you can move forward with confidence.
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

Your credit score is a key factor
in determining your mortgage eligibility
and interest rates.

No Credit Card
Required
Start instantly with just your name and email — no payment information or credit card needed.
Secure
Credit Check
Check your score safely without impacting your credit. Your information is encrypted and protected every step of the way.
No Hard Sell,
No Sales Calls
We value your privacy — no pushy sales calls or spam, just useful insights when you want them.
How credit affects
your mortgage journey
Your credit score helps lenders assess risk and set your rate and amount. Knowing the right score early clarifies your options.