Get pre-qualified in minutes with Lowi, our advanced AI specialist featuring Smart Calculator, DTOI analysis, and Rate Buydowns. NMLS ID: 1666674
🧠 Smart Calculator • 📊 DTOI Analysis • 🎯 Rate Buydowns • 🔒 Bank-level security
Experience the future of mortgage lending with our AI-powered platform and comprehensive calculator suite
Our sophisticated AI agent Lowi analyzes your documents instantly with 99.7% accuracy, reducing approval timesApproval TimesThe time from application submission to final loan approval. Traditional process takes 30-45 days, while AI-assisted processing can reduce this significantly.Traditional: 30-45 days vs AI-assisted: 10-20 days by 40% while maintaining perfect compliance.
Professional-grade calculator for both temporary buydownsTemporary BuydownsSeller or builder pays upfront to reduce your interest rate for 1-3 years. Funds held in escrow and applied monthly to reduce payments.2-1 buydown on $400K loan costs seller ~$4,700 (3-2-1, 2-1) and permanent buydownsPermanent BuydownsYou pay discount points at closing to permanently reduce your interest rate for the life of the loan. 1 point = 1% of loan amount.2 points on $400K loan = $8,000 for ~0.5% rate reduction with detailed cost analysis and break-even calculations.
Enter your information once and see multiple loan scenarios instantly - 30-year30-Year Fixed MortgageMost common loan type with fixed interest rate and payments for 30 years. Lower monthly payments but more interest over time.$400K at 6.5% = $2,528/month, $510K total interest, 15-year15-Year Fixed MortgageHigher monthly payments but significant interest savings and faster payoff. Popular for refinancing.$400K at 6% = $3,375/month, $208K total interest, 20-year, and ARMARM (Adjustable Rate Mortgage)Interest rate starts fixed, then adjusts periodically based on market indices. Lower initial rates but payment uncertainty.5/1 ARM: Fixed 5 years, then adjusts annually options with detailed comparisons.
Advanced Debt-to-Income ratioDebt-to-Income (DTOI) RatioKey qualification metric. Front-end ratio: housing costs ÷ income. Back-end ratio: all debts ÷ income. Conventional loans prefer 28/36 rule.$8K income, $2K housing, $500 other debts = 25% front, 31% back calculator helps you understand your qualification status with front-endFront-End RatioHousing costs (PITI + HOA) divided by gross monthly income. Conventional loans prefer ≤28%, FHA allows up to 31%.$2,800 housing ÷ $10,000 income = 28% front-end ratio and back-endBack-End RatioAll monthly debt payments divided by gross monthly income. Conventional loans prefer ≤36%, FHA allows up to 43%.$3,600 total debts ÷ $10,000 income = 36% back-end ratio ratio analysis.
We collect property addresses to provide accurate tax calculations, neighborhood analysis, and program eligibilityProgram EligibilityMany loan programs have location-based requirements like USDA rural loans, VA funding fees by county, or first-time buyer programs.USDA loans only available in eligible rural/suburban areas verification.
Get pre-qualifiedPre-Qualification vs Pre-ApprovalPre-qualification: Basic estimate based on stated income/assets. Pre-approval: Full verification with credit check and documentation.Pre-qual: 10 minutes, Pre-approval: 1-3 days with docs in under 3 minutes with our comprehensive calculator suite including 10 professional-grade financial tools.
Ten professional-grade calculators with full functionality and instant results
Stay informed with AI-powered market insights and analysis
Temporary buydownsTemporary BuydownsPopular seller concession where they pay upfront to reduce buyer's rate for 1-3 years, making homes more affordable.Seller pays $5K to reduce buyer's rate from 7% to 4% first year like 3-2-1 and 2-1 structures are helping buyers afford homes while permanent buydowns offer long-term savings for those planning to stay put.
New AI-powered calculators allow borrowers to see multiple loan scenarios instantly, streamlining the mortgage comparison process and improving decision-making for home buyers.
Lenders continue to emphasize debt-to-income ratiosDTOI Ratios in LendingPrimary qualification metric lenders use. Most require front-end ≤28% and back-end ≤36% for conventional loans.$6K income max: $1,680 housing, $2,160 total debts in qualification decisions, with conventional loans preferring 28/36 ratios while FHA allows up to 31/43.
At Kwalifai, we combine cutting-edge artificial intelligence with the most comprehensive calculator suite in the industry. Our Rate Buydown Calculator handles both temporary and permanent buydowns with professional-grade analysis typically found only in lending software.
From Smart Calculators that eliminate repetitive data entry to sophisticated DTOI analysis and complete rate buydown scenarios, we provide the tools both consumers and professionals need to make informed mortgage decisions.
NMLS ID: 1666674 • Licensed in all 50 states • 10 Professional Calculators • AI-Powered Analysis