How LoanPilotAI checks your mortgage eligibility, step by step

Written by the LoanPilotAI team.

LoanPilotAI's free eligibility tool walks through the same basic inputs a loan officer would ask for first: income, debts, down payment, and the loan program you're considering. It maps your numbers against the "Loan Programs We Cover" on the homepage and returns which programs you likely qualify for, before you ever talk to a lender.

The affordability tool takes it one step further — pairing your eligibility result with a target home price range, so you know what to shop for. Pro ($9/mo) adds enhanced outputs on top of the same free flow; the Mortgage Professional tier adds lender-facing features for loan officers who want to run this for their own clients.

MortgagePulse, our bundled rate tracker, is included alongside the navigator so you can see how rate movement changes your affordability picture over time.

Check your eligibility →