Your AI-Powered Mortgage for a Smarter Home Purchase
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Buying Your First Home?
Don't Worry
Wherever you're starting from, we'll help you find the next step.
How Much Income Do I Need
For My Dream Home?
Get a clear picture of the income and savings
it takes to comfortably afford the home you want.
September 29, 2026 Updated
Compare Today's Rates
Monthly payment examples below are for a loan amount of $700k. Taxes and insurance are not included in the estimate; actual payment amount will be greater.
The rate shown is based on a sample borrower profile — a purchase loan for a single-family primary residence, with W-2 income, a 740 credit score, 70% loan-to-value (LTV), and 45% debt-to-income (DTI). Actual rates and terms may vary based on your credit profile, loan amount, and property details.
Find The Loan
That Fits You
Everything you need to plan your next move, in one place.
Check Your Eligibility
See which loan programs you likely qualify for based on your credit, income, and down payment — no impact to your credit score.
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Mortgage Calculator
Estimate your monthly payment based on home price, down payment, and today's rates.
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Discover Your Area's Loan Limits
Conforming and FHA loan limits vary by county — find the maximum loan amount where you're buying.
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Loan Product Options
Compare Conventional, FHA, and Non-QM loans side by side to see which one fits your situation best.
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Why Loaning.aiSame Mortgage, Better Experience
Fast, transparent, always
Get pre-approved within 1 hour of submitting your documents, with clear rates and fees upfront — so there are no surprises at closing.
We stick with hard cases
Been turned down before? Our team works through complex situations with you, not just the easy ones.
Rates that compete
Our AI shops your profile against multiple loan products to find you a genuinely competitive rate.
See it side by side
Here's exactly how we stack up against a traditional lender.
Feature
Loaning.ai
Traditional Lenders
Speed to pre-approval
Rate transparency
AI-matched loan products
Spam calls after applying
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See how competitive Loaning.ai's rates really are.
QuestionsFirst-Time Buyers Ask
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