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loanbrain.aiSmart Loan Guidance
AI loan advisor · all loan types

The brain that crunches the numbers on your loan.

Borrowers and brokers — ask anything. Upload paystubs, tax returns, bank statements, even photos. Get DTI, qualification, structuring, and lender fit answers in seconds. No login. No saving. Download your transcript and go.

Start askingResidential · Commercial · SBA · Non-QM · Investor
Session-only files Streaming answers No file size limits
AI Loan Advisor — online

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Borrowers & brokers — get instant guidance on qualification, structuring, and lender fit. Upload paystubs, tax returns, bank statements, scenarios — or snap a photo. No login required.

Files are processed in your session only and deleted when you reload or click "New session". No login. No saving.

Three steps. Zero friction.

Ask anything

DTI? LTV? Self-employed income? Which lender for a 680 FICO investor purchase? Type or speak the question.

Upload or snap

Drop paystubs, W-2s, 1040s, bank statements, free credit reports, scenario sheets — or take a photo on mobile.

Get the math + plan

Step-by-step calculations, guideline references, lender fit, and exactly what to do next. Download the transcript.

Built for borrowers and brokers.

For Borrowers

  • · "How much house can I afford with my income?"
  • · "What credit score do I need for an FHA loan?"
  • · "Run my DTI from these paystubs."
  • · "Can I qualify with 1099 income?"

For Brokers

  • · "How do I structure this self-employed file?"
  • · "Best lender bucket for non-warrantable condo?"
  • · "Run a DSCR scenario on this rental."
  • · "Conditions list for a VA cash-out at 90% LTV?"