From question to qualified scenario — in seconds.
LoanBrain.ai is an AI loan advisor trained on real lender guidelines, agency overlays, and current pricing logic. It runs the math the same way a senior loan officer would — and shows its work.
1. Ask anything
Type or speak a question. DTI? FHA at 580? DSCR on a rental? Self-employed with 1099? Just ask.
2. Upload or snap
Drop paystubs, W-2s, 1040s, bank statements, credit reports — or take a photo on mobile.
3. Get the math + plan
Step-by-step calculations, lender fit, best-priced tier, and exactly what to do next.
What it can answer
LoanBrain.ai handles the questions a borrower or broker would normally have to ping three different LOs to get a real answer on:
- "How much house can I afford on $7,200/mo income with $620 in debts?"
- "Run my DTI from these two paystubs and one bank statement."
- "Best loan program for a 660 FICO investor purchase, 20% down?"
- "Conventional vs FHA at 700 FICO, 5% down — which prices better?"
- "Can I qualify with 1099 income? What does the lender want to see?"
- "Bank statement loan vs Non-QM full doc — pros, cons, pricing impact."
- "Structure this self-employed file. K-1 + W-2 + rental income."
- "Run a DSCR scenario: $2,800 rent, $2,150 PITI, 20% down."
- "VA cash-out at 90% LTV — overlays, conditions, expected rate range."
- "Non-warrantable condo — which lender bucket actually works?"
What it covers
Every major residential and commercial product, including the edges most calculators miss:
Residential
Conventional (Fannie/Freddie), FHA, VA, USDA, Jumbo, HELOC, HELOAN, ARM (5/6, 7/6, 10/6), buydowns, MI scenarios.
Non-QM & Investor
Bank statement, 1099-only, P&L, asset depletion, ITIN, foreign national, DSCR (purchase / refi / cash-out), fix & flip.
Commercial / SBA
SBA 7(a), SBA 504, conventional commercial, multifamily, bridge, construction-to-perm.
Math it runs
DTI (front + back), LTV / CLTV, PITI, MI tiers, LLPAs, max loan amount, max purchase price, cash-to-close, residual income (VA), DSCR ratio.
How it picks the best loan
When you give LoanBrain.ai a FICO score and scenario, it doesn't just match the first program that fits — it picks the best-priced tier your file actually clears. A 700 FICO borrower will not be steered into a 580-min FHA product, because the pricing on the higher tier is better.
It also flags overlays, MI inflection points, and LLPA hits that quietly add 0.25–0.75% to the rate — the stuff that trips up even experienced LOs.
Privacy & security
Session-only files
Uploads are read in your browser and sent inline to the AI. Nothing is saved to a database or storage bucket.
Auto-clear
After 5 minutes of inactivity, the chat and all attachments wipe. No recovery, by design.
No login
No account, no email, no tracking profile. Open the page and start asking.
Black out PII
Before uploading, redact SSNs, account numbers, and DL numbers. The AI doesn't need them to run the math.
What you can do with the answer
- Email it — one click sends a clean recap to a borrower, AE, or co-broker.
- Download as PDF — branded transcript with disclaimers, ready to share.
- Quick Qualify form — 30-second structured input for a clean qualification check.
- Follow-up chips — one-click smart questions to keep digging.
What it is NOT
LoanBrain.ai is a guidance tool. It is not a commitment to lend, not a pre-approval, and not financial advice. Final qualification, rate lock, and conditions always come from a licensed lender running full underwriting on verified documentation.
Use it to scope a deal, run scenarios, sanity-check a quote, or prep before talking to an LO — not as the final word.
Ready to run a scenario?
No login. No saving. Just answers.