Your AI-Powered Mortgage for a Smarter Home Purchase
Explore mortgage options and rates based on your needs.No spam, ever.
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Buying Your First Home?
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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.
Updated November 6, 2026
Compare Today's Rates
Rates shown assume a 30-day rate lock. Rates, APRs, points, and terms are subject to change without notice and may vary based on credit profile, loan amount, property type, occupancy, location, and other eligibility factors. All loans are subject to credit approval and applicable underwriting requirements.
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. The sample borrower profile above may not apply to all loan types, as eligibility requirements and rate assumptions vary by loan program.
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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 and Transparent
Pre-approval decisions may be available in as little as 1 hour after we receive the required documents, with rates and fees explained upfront so you know what to expect.
Support for Complex Scenarios
Been turned down before? Our team works through complex situations with you, not just the easy ones.
Competitive Rate Options
Our technology compares eligible loan products and pricing based on your profile to help surface competitive rate options.
See the Loaning.ai Difference
A simpler, more transparent way to move through the mortgage process.
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A day-by-day calendar to get you from "just looking" to move-in day — budgeting, documents, inspections, and more.
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QuestionsFirst-Time Buyers Ask
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