Pre-qualification workflows for loan officers and agent partners
Get earlier context on the buyers your agent partners send, and know exactly what still needs your review.
QLFI is not a lender. Results are preliminary and subject to lender verification and approval.
Earlier
context before the first call
Buyer
decides what gets shared
6
program families matched
You
verify and approve
Who does what
The agent
Captures the lead, gets the buyer's authorization, reviews the preliminary result and makes the introduction if the buyer wants one.
The loan officer
Runs the lender's own process: verifies income, assets and credit, and makes any approval decision.
A clean handoff, every time
Four things to sort out before a buyer moves from agent to lender.
- What the buyer wants
- What they agreed to share
- The preliminary context
- What you'll verify
1. Buyer's wishes
- Which lender they want to talk to
- Timeline and target area
2. Sharing permission
- Buyer agreed to share their info
- What they agreed to share
3. Preliminary context
- Est. buying power
- Program matches to discuss
4. Lender verifies
- Income, assets and credit
- Any approval decision
Start the conversation in the right place
See which program families a buyer may fit, with estimated amounts and payments.
- Conventional, FHA, VA and more
- Estimated amount, rate and payment
- Preliminary, not a quote or approval
FHA
Loan amount
$388,000
- Rate
- 6.875%
- Payment
- $2,548/mo
- Max LTV
- 96.50%
- Down payment
- $14,070
- Max home
- $402,000
Conventional 30yr Fixed
Loan amount
$410,000
- Rate
- 7.125%
- Payment
- $2,762/mo
- Max LTV
- 80.00%
- Down payment
- $102,500
- Max home
- $512,500
Conventional 15yr Fixed
Loan amount
$410,000
- Rate
- 6.500%
- Payment
- $3,571/mo
- Max LTV
- 80.00%
- Down payment
- $102,500
- Max home
- $512,500
Conventional 7/6 ARM
Loan amount
$410,000
- Rate
- 6.750%
- Payment
- $2,659/mo
- Max LTV
- 80.00%
- Down payment
- $102,500
- Max home
- $512,500
See it from the lender side
We'll walk through a result and the handoff in a demo.
What to check yourself
| Item | In the QLFI result | Lender still |
|---|---|---|
| Credit | Full tri-merge mortgage credit report | Follows its own credit process |
| Income | Estimate from available records | Verifies with documents |
| Assets | Estimate from available records | Verifies with statements |
| Programs | Preliminary matches | Confirms eligibility |
| Approval | Not provided | Decides |
- Credit
- In the QLFI resultFull tri-merge mortgage credit report
- Lender stillFollows its own credit process
- Income
- In the QLFI resultEstimate from available records
- Lender stillVerifies with documents
- Assets
- In the QLFI resultEstimate from available records
- Lender stillVerifies with statements
- Programs
- In the QLFI resultPreliminary matches
- Lender stillConfirms eligibility
- Approval
- In the QLFI resultNot provided
- Lender stillDecides
Keep your agent partners
- 01
Agent qualifies
The buyer authorizes a soft inquiry.
- 02
Buyer chooses
Their lender, and what to share.
- 03
Intro happens
With goals and context in hand.
- 04
You take over
Your normal lending process.
Fewer cold intros. Better first calls. And the buyer stays in charge of who they work with.
Common questions
No. QLFI doesn't sell or supply leads. Agents qualify the buyers they already have.
No. Results are preliminary. The lender verifies income, assets and credit and makes any approval decision.
Only what the buyer agreed to share, such as their goals and the preliminary context. The buyer decides.
Yes. The buyer picks who they work with. QLFI doesn't change that.
Talk to us in a demo about how your team would use QLFI.
Related
Better buyer handoffs start earlier
QLFI is operated by Lending Consultants of America LLC. QLFI is not a lender and does not issue mortgage approvals.