---
title: "Preliminary Loan Program Matching for Buyers | QLFI"
url: https://qlfi.ai/loan-program-matching
description: "What QLFI's preliminary program matches mean across Conventional, FHA, VA, USDA, Jumbo and Non-QM, what a lender still verifies, and what no match means."
lang: en
---

Loan program matching

# 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.

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.

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.

Preliminary matches Illustrative

Sample data. Amounts, rates and payments vary and are verified by a lender.

Per match

## 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

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 program matches in the demo

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

Program families

## 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 orientation Loans that are not government-insured, often sold to Fannie Mae or Freddie Mac.

Preliminary QLFI output Fixed and ARM options with amount, payment, max LTV and down payment.

FHA

General orientation Government-insured loans through the Federal Housing Administration.

Preliminary QLFI output Preliminary amount, payment, max LTV, down payment, max home.

VA

General orientation Loans guaranteed by the Department of Veterans Affairs for eligible service members and veterans.

Preliminary QLFI output Preliminary match where indicated; service eligibility is confirmed by the lender.

USDA

General orientation Loans backed by the Department of Agriculture for eligible rural properties.

Preliminary QLFI output Preliminary match; property and income eligibility confirmed by the lender.

Jumbo

General orientation Loans above conforming loan limits.

Preliminary QLFI output Preliminary match with amount and payment.

Non-QM

General orientation Loans outside qualified-mortgage standards, often with alternative documentation.

Preliminary QLFI output A 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

Income

Assets

Employment

Full credit review

Property

Program guidelines

Final rate

Approval

## 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.

Handoff

## 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

### Are program matches approvals?

No. A match is a preliminary indication that a program merits lender review. Only a lender can verify eligibility and approve a loan.

### Can more than one program match?

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.

### What does no match establish?

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.

### Who verifies eligibility?

A lender. Income, assets, employment, property and program guidelines are all verified during the lender's process.

## Related

- How buyer pre-qualification works: https://qlfi.ai/buyer-pre-qualification
- Estimated buying power: https://qlfi.ai/buying-power
- Watch the demo: https://qlfi.ai/demo

## 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.

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