Explore Loan Options,
Tools, and Resources
Understand your loan options, use helpful mortgage tools,
and access resources to make more informed home financing decisions.
Explore The Loan Options Available to You
From traditional mortgages to alternative qualification programs, explore the loan options Loaning.ai offers and find what may fit your needs.
QM Loan Options
Traditional mortgage options for borrowers who qualify with standard income, credit, and documentation requirements.
ConventionalFull Doc — Conforming
A flexible conventional mortgage for qualified borrowers with stable income, strong credit, and full income documentation.
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ConventionalFull Doc — High Balance
A conventional mortgage for qualified borrowers financing homes in high-cost areas above standard conforming loan limits.
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ConventionalFull Doc — Jumbo
A conventional mortgage for qualified borrowers who need larger loan amounts beyond conforming and high-balance limits.
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FHAFull Document
A government-backed mortgage with lower down payment options and more flexible credit requirements.
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Non-QM Loan Options
Alternative qualification options for borrowers whose income, employment, or property profile may not fit standard mortgage documentation.
VOE Only
A streamlined mortgage option for eligible wage earners who can qualify using employer-verified income instead of traditional income documents.
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P&L Only
An alternative mortgage option for eligible self-employed borrowers who can qualify using a CPA-prepared profit and loss statement.
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DSCR
An investment-property mortgage that qualifies eligible borrowers based on the property's rental cash flow rather than personal income.
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Not sure which loan fits?
Talk with a Loan Officer about your goals, income, and property to explore the options that may work for you.
Featured Resources
Explore practical tools and resources for homebuying, mortgage planning, and credit — all in one place.
Homebuying
Blog
Explore helpful tips, insights, and updates on mortgages, homebuying, real estate, and market trends.
Homebuying Guide
Follow the homebuying journey step by step, from planning and financing through closing.
What Is Pre-Approval?
Learn how pre-approval works, why it matters, and when to get one before shopping for a home.
Mortgage Tools
Compare Rates
Compare mortgage rates from five major U.S. lenders and see how Loaning.ai compares.
Check Your Eligibility
Answer a few simple questions about your status and finances to see if you may qualify for a mortgage.
Mortgage Calculator
Estimate your monthly mortgage payment based on home price, down payment, interest rate, and loan terms.
Income Calculator
Enter your available assets and desired home price to estimate the income you may need to qualify for a mortgage.
Loan Limits by Area
Enter a city to view FHA and Conforming loan limits for the county where you plan to buy.
Ready to Take Your Next Step?
Whether you're buying, refinancing, or looking for the best rates, choose where you'd like to go next.
For Industry Professionals
Are you a Loan Officer or Real Estate Agent?
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