LoanPilotAI — Mortgage Navigator Tool

⚠️ Educational Tool Only: LoanPilotAI is NOT a lender or licensed broker. All estimates are informational only — not credit decisions. Consult a licensed mortgage professional.

Eligibility Pre-Screen

🛡️ No Credit Pull: LoanPilotAI does NOT check your credit. Eligibility is estimated from self-reported info only. No soft or hard inquiry. No credit bureau contacted. Your credit score is unaffected.

This is an estimate only — not a credit decision or pre-approval. Takes about 3 minutes.

Annual Gross Income ($)

Before taxes, all sources

Monthly Debt Payments ($)

Auto loans, student loans, credit cards, etc.

Credit Score Range

Approximate range — no credit pull

Down Payment Available ($)

Target Home Price Estimate ($)

State

County (optional)

Property Type

Household Size

Buyer Status

First-time homebuyer Veteran / Active military Property is in rural area

Loan Program Matcher

Run eligibility first, or explore programs below. All program details are educational — not a commitment from any lender.

Complete the eligibility check (Step 1) to get personalized program matching. Or browse all programs below.

Affordability Calculator

Standard mortgage math. Numbers are estimates — actual rates and costs vary.

Annual Gross Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Interest Rate (%)

Loan Term

Specific Home Price (optional)

Leave blank to calculate maximum home price

Document Prep Assistant

Get a personalized document checklist for your loan type.

Mortgage Education Q&A

Ask anything about mortgages, rates, fees, or the homebuying process. Educational only — not personal financial advice.

Example questions:
"What's the difference between APR and interest rate?" · "What is PMI and when can I remove it?" · "How do discount points work?" · "What are typical closing costs?"

Lender Comparison & Connect

How to Compare Lenders
Getting quotes from at least 3 lenders can save you thousands. Compare these key factors:

Interest Rate

The base rate on your loan. Lower = less interest paid.

APR

Annual Percentage Rate includes fees. Best apples-to-apples comparison.

Origination Fees

Lender charges for processing your loan. Negotiate or offset with lender credits.

Rate Lock Period

How long your quoted rate is guaranteed. 30–60 days is typical.

Lender Credits

Lender pays your closing costs in exchange for a slightly higher rate.

Turnaround Time

How quickly the lender can close. Matters for purchase timelines.

Opt In to Connect with a Licensed Lender

How this works: If you opt in, your contact info may be shared with licensed mortgage lenders in your area (flat-fee advertising relationships only). LoanPilotAI does not receive per-loan referral fees — connecting you with lenders is supported by flat-fee advertising only, never by payments contingent on your loan closing (RESPA Section 8 compliance). This is completely optional.

Your Name

Email Address

Phone (optional)

State

Estimated Loan Amount

Loan Types Interested In

I consent to having my contact information shared with licensed mortgage lenders in my area for educational purposes. I understand LoanPilotAI does not charge per-loan fees and is not a lender.

Pre-qualified? Now find your home.

Use AIPropertyPro to search homes with AI — matched to your eligibility profile.

Find Your Home →

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