---
title: "Buyer Pre-Qualification Workflows for Loan Officers | QLFI"
url: https://qlfi.ai/loan-officers
description: "How a preliminary QLFI result fits before lender assessment: early buyer context, agent and lender roles, buyer-authorized sharing and what to verify."
lang: en
---

For loan officers

# 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.

Watch the Demo: https://qlfi.ai/demo
See Pricing: https://qlfi.ai/pricing

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.

Handoff checklist

## 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

Handoff checklist Illustrative

\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

Program matches

## 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

Program matches Illustrative

Match 1 of 4 ● PURCHASE

FHA

Loan amount

$388,000

Rate

6.875%

Payment

$2,548/mo

Max LTV

96.50%

Down payment

$14,070

Max home

$402,000

Match 2 of 4 ● PURCHASE

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

Match 3 of 4 ● PURCHASE

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

Match 4 of 4 ● PURCHASE

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.

Book a Demo: https://qlfi.ai/demo
Watch the Demo: https://qlfi.ai/demo

Preliminary vs. verified

## 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 result Full tri-merge mortgage credit report

Lender still Follows its own credit process

Income

In the QLFI result Estimate from available records

Lender still Verifies with documents

Assets

Lender still Verifies with statements

Programs

In the QLFI result Preliminary matches

Lender still Confirms eligibility

Approval

In the QLFI result Not provided

Lender still Decides

Working together

## 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

### Is QLFI a lead marketplace?

No. QLFI doesn't sell or supply leads. Agents qualify the buyers they already have.

### Does a result replace lender assessment?

No. Results are preliminary. The lender verifies income, assets and credit and makes any approval decision.

### What can an agent pass along?

Only what the buyer agreed to share, such as their goals and the preliminary context. The buyer decides.

### Can a buyer keep their own lender?

Yes. The buyer picks who they work with. QLFI doesn't change that.

### Is there a plan for loan officers?

Talk to us in a demo about how your team would use QLFI.

## Related

- How pre-qualification works: https://qlfi.ai/buyer-pre-qualification
- Loan program matching: https://qlfi.ai/loan-program-matching
- Estimated buying power: https://qlfi.ai/buying-power

## 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.

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