Preliminary loan program matching for buyer conversations
Each result can show which loan programs merit a lender's review, with preliminary amounts and payments to guide the conversation.
QLFI is not a lender. Results are preliminary and subject to lender verification and approval.
6
program families checked on every run
1+
matches possible per buyer
6
details per match: amount, rate, payment, LTV, down, max home
0
approvals: a lender always decides
A match is a starting point
It tells you which programs are worth discussing with a lender, and roughly what they could look like. It does not establish eligibility, a rate or an approval.
Sample data. Amounts, rates and payments vary and are verified by a lender.
What each match shows you
Each preliminary match comes with the numbers you need to frame a lender conversation.
- Loan amount
- Estimated rate and monthly payment
- Maximum loan-to-value
- Down payment and maximum home price
- Purchase or refinance type
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 program matches in the demo
Six programs, what each means
General orientation only. Detailed guidelines, limits and cutoffs come from the lender and program sources.
| Program | General orientation | Preliminary QLFI output |
|---|---|---|
| Conventional | Loans that are not government-insured, often sold to Fannie Mae or Freddie Mac. | Fixed and ARM options with amount, payment, max LTV and down payment. |
| FHA | Government-insured loans through the Federal Housing Administration. | Preliminary amount, payment, max LTV, down payment, max home. |
| VA | Loans guaranteed by the Department of Veterans Affairs for eligible service members and veterans. | Preliminary match where indicated; service eligibility is confirmed by the lender. |
| USDA | Loans backed by the Department of Agriculture for eligible rural properties. | Preliminary match; property and income eligibility confirmed by the lender. |
| Jumbo | Loans above conforming loan limits. | Preliminary match with amount and payment. |
| Non-QM | Loans outside qualified-mortgage standards, often with alternative documentation. | A lead for lender review, not a promise of financing. |
- Conventional
- General orientationLoans that are not government-insured, often sold to Fannie Mae or Freddie Mac.
- Preliminary QLFI outputFixed and ARM options with amount, payment, max LTV and down payment.
- FHA
- General orientationGovernment-insured loans through the Federal Housing Administration.
- Preliminary QLFI outputPreliminary amount, payment, max LTV, down payment, max home.
- VA
- General orientationLoans guaranteed by the Department of Veterans Affairs for eligible service members and veterans.
- Preliminary QLFI outputPreliminary match where indicated; service eligibility is confirmed by the lender.
- USDA
- General orientationLoans backed by the Department of Agriculture for eligible rural properties.
- Preliminary QLFI outputPreliminary match; property and income eligibility confirmed by the lender.
- Jumbo
- General orientationLoans above conforming loan limits.
- Preliminary QLFI outputPreliminary match with amount and payment.
- Non-QM
- General orientationLoans outside qualified-mortgage standards, often with alternative documentation.
- Preliminary QLFI outputA lead for lender review, not a promise of financing.
For every program, the lender still verifies income, assets, employment, credit, property and program guidelines.
What a lender still verifies
No match is not a denial
What it means
The preliminary assessment did not produce a program match. Nothing more.
What to do
Introduce a lender, who may see options a preliminary match does not, or share credit resources and set a check-in date.
From match to lender
- 01
Review the matches
Note which programs look relevant to the buyer's goals.
- 02
Talk with the buyer
Share that these are preliminary and what a lender will verify.
- 03
Introduce a lender
Theirs, or one they choose. The lender verifies eligibility.
- 04
Follow up
Keep the buyer moving in your pipeline while the lender works.
Know which programs are worth a lender's time before the buyer ever fills out an application.
See matches on your next lead
Common questions
No. A match is a preliminary indication that a program merits lender review. Only a lender can verify eligibility and approve a loan.
Yes. A result can show several preliminary matches, each with its own loan amount, payment, maximum loan-to-value, down payment and maximum home price.
Very little. It means the preliminary assessment did not produce a match. It is not a denial, and a lender may see options a preliminary match does not.
A lender. Income, assets, employment, property and program guidelines are all verified during the lender's process.
Related
See matches on your next lead
QLFI is operated by Lending Consultants of America LLC. QLFI is not a lender and does not issue mortgage approvals.