Know Exactly What You Qualify For — Before You Tour a Home
Upload your W-2s, pay stubs, and tax returns. Our AI computes your true qualifying income against real Fannie Mae, FHA, and VA guidelines — and returns a lender-grade report in minutes.
~5 minutes · soft credit pull · no score impact
$8,750/mo
Thousands of Real Buyers. Real Answers.
From first-time buyers to self-employed professionals — Go Direct Lenders AI delivers a real qualification answer in minutes, not weeks.
“The AI caught freelance income we didn't know counted!”
Sarah & Marcus T.
Qualified · $380K
“Go Direct's AI actually understood my tax returns.”
Diana Chen
Qualified · $620K
“Got our report in 3 minutes. Closed 45 days later.”
James & Keisha W.
Qualified · $295K
Built For Buyers and The Agents Who Guide Them
Whether you're buying your first home or pre-qualifying a client before a showing — the same AI engine works for you.
For Borrowers
Find out exactly how much home you can afford — before you ever walk into a house. Get a real qualification with an AI-powered report in minutes.
- Know your max purchase price instantly
- AI calculates income from W-2s, paystubs & tax returns
- Receive a pre-approval letter in minutes
- Soft credit pull — no score impact
For Real Estate Agents
Qualify your buyers on the spot and send them to showings with a pre-approval letter in hand. Stop losing deals to financing delays.
- Qualify buyers in minutes — before the showing
- Generate a pre-approval letter instantly for any property
- Dual AI analysis — Claude & ChatGPT cross-verified
- Close more deals — stronger, verified offers
Your Path to Qualification
- 01
Apply Online
Fill in your basic info, employment type, and desired loan program.
- 02
Upload Documents
Securely upload W-2s, pay stubs, and tax returns — click to upload.
- 03
AI Analyzes Your Income
Our engine applies Fannie Mae and FHA guidelines to calculate your true qualifying income.
- 04
Get Your Report
Receive a lender-grade qualification report you can bring to any showing.
A Program For Every Borrower
Our AI qualification engine evaluates you against every program below — not just the standard ones.
Conventional
Not backed by a government agency — often the best rates for strong credit and stable income.
FHA
Backed by the FHA, with lower down payment and credit score requirements.
VA
For eligible veterans and service members, often with no down payment required.
USDA
For eligible rural and suburban properties, often with no down payment required.
Jumbo
For loan amounts above conforming limits — built for higher-priced homes.
Non-QM
Flexible qualification for self-employed and non-traditional income.
DSCR
Qualify using a property's rental income instead of your personal income.
Bank Statement
Qualify using 12–24 months of bank deposits instead of tax returns.
HELOC
A revolving line of credit secured by your home's equity.
Don't Fit the Traditional Box?
We Have a Program For You.
What is a Non-QM Loan?
A Qualified Mortgage (QM) is what most banks offer — it follows a strict government checklist. If you check every box: steady W-2 job, two years of tax returns, low debt, high credit score — you're in.
But millions of hardworking people don't fit that checklist — not because they can't afford a home, but because their financial life looks a little different. That's where Non-QM comes in.
Think of it as a common sense loan. Instead of just looking at a tax return, we look at the full picture — bank statements, assets, rental income, business revenue — to prove you can comfortably make the payment.
| Traditional QM | Non-QM | |
|---|---|---|
| Income Proof | W-2 / Tax Returns only | Bank stmts, P&L, assets |
| Employment | Must be W-2 employee | Self-employed, 1099, gig OK |
| Credit Score | Usually 620+ required | Options from 500+ |
| Recent Events | Bankruptcy = likely deny | 2yr+ seasoning accepted |
| Loan Amounts | Conforming limits apply | Jumbo options available |
| Property Types | Primary home focused | Investment & mixed-use OK |
Bank Statement Loans
Self-employed? No tax returns needed. We use 12–24 months of bank statements to calculate your income. Perfect for business owners and freelancers whose write-offs make their taxable income look low.
DSCR Loans
Debt Service Coverage Ratio loans — for real estate investors. We qualify you based on the property's rental income, not your personal income. Own multiple rentals? This is your program.
1099 / Gig Worker Loans
Uber driver, consultant, contractor — your income counts. We use your 1099s and work history to qualify you, even without a traditional employer.
Asset Depletion Loans
Retired or sitting on significant assets? We can convert your savings, investments, or retirement accounts into qualifying income — even if you're not drawing a paycheck.
Recent Credit Events
Went through a bankruptcy, foreclosure, or short sale? Depending on seasoning, you may already qualify. We look at where you are today, not just your past.
Jumbo Non-QM
Buying a luxury property above conventional loan limits? Our non-QM jumbo programs go well above Fannie Mae limits with flexible income documentation requirements.
Our AI qualification engine evaluates all of the above programs — not just the standard ones.
Frequently Asked Questions
No. We use a soft credit pull to verify your qualification, which never impacts your credit score.
Typically your most recent pay stubs, W-2s, and two years of tax returns. If you're self-employed, bank statements may be used instead.
Our AI applies real Fannie Mae, FHA, and VA underwriting guidelines to your actual documents, producing a lender-grade qualification report rather than a rough estimate.
We also evaluate Non-QM programs — including bank statement, DSCR, and asset depletion loans — for borrowers with non-traditional income.
Yes. All documents are encrypted in transit and at rest, and are only used to calculate your qualification.
Most borrowers receive their AI qualification report in about 3 minutes after uploading documents.
Ready to know what you qualify for?
Get a lender-grade qualification report in minutes — no hard credit pull, no commitment.