LoanBrain.ai logo
loanbrain.aiSmart Loan Guidance
AI Loan Advisor — online

Ask the LoanBrain

Upload paystubs, tax returns, bank statements, or snap a photo. No login required.

🔒 For your safety: black out or omit SSNs, full account numbers, and driver's license numbers before uploading. We don't need them to qualify you.

Files are processed in your session only and auto-deleted after 5 minutes of inactivity, on reload, or when you click "New session". No login. No saving.

AI loan advisor · all loan types

The brain that gets you the answers for your loan scenario.

Borrowers and brokers — ask anything. Upload paystubs, tax returns, bank statements, even photos. DTI, qualification, structuring, and lender fit in seconds. No login.

Session-only files Streaming answers No file size limits

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?"