From five questions to a loan path — here's how.

The five-question matcher, step by step

1. 1

   Answer five quick questions

   Tell us how you earn, what you are trying to do, and roughly where your credit sits — about 60 seconds.

   The check-in asks how your income is structured (business owner, 1099, investor, or W-2), your goal (buy, refinance, or pull cash out), property type, an estimated price range, and a self-reported credit band. There is nothing to upload and no account to create at this stage.

2. 2

   The matcher reads your income structure

   The matcher maps your answers to the way each program actually qualifies income — not just to a generic rate table.

   A self-employed owner with heavy write-offs is read differently than a 1099 contractor or a landlord with rental cash flow. The matcher weighs how each program documents income — business bank deposits, a CPA P&L, 1099s, rental DSCR, or liquid assets — so the shortlist reflects where your file performs best, not where it looks worst.

3. 3

   See your 1–3 best-fit programs

   You get a short, ranked list with plain-language reasons why each program fits your situation.

   Instead of a single generic quote, you see the one to three programs most likely to work for your income type — for example a bank statement loan, a DSCR loan, or a conventional loan — each with a short explanation of why it fit and what it typically asks for. You can compare them side by side before doing anything else.

4. 4

   A licensed loan officer reviews

   A licensed mortgage professional checks the match against real guidelines before anything formal moves.

   The matching rules narrow the field; a licensed loan officer confirms it. They review your shortlist against current lender guidelines, flag anything the questionnaire could not capture, and answer your questions directly. Loan decisions are always made by licensed professionals — the matcher is a starting point, not an approval.

5. 5

   Move forward when you are ready

   When the path is clear, your loan officer walks you through documentation and next steps at your pace.

   Only once you choose to move forward does the process turn to documentation — bank statements, a P&L, or 1099s depending on the program — and a formal application with a credit pull. You stay in control of the timing, and you will always know what is needed and why before you provide it.

What happens after you’re matched

Matching is the beginning, not the finish line. Once you see your best-fit programs, a licensed loan officer reviews the shortlist against current lender guidelines and confirms what your file actually supports. They explain the documentation each program needs — business bank statements, a CPA-prepared P&L, 1099s, or rental cash flow — so there are no surprises. Only when you choose to proceed does the process move to a formal application and a credit pull, and you will always know what is needed and why before you hand anything over.

How it works — common questions

Does the check-in run a credit check?

No. The five-question check-in uses a self-reported credit band only — there is no hard or soft credit pull to see your matched programs. A credit check happens later, with your consent, if and when you choose to move forward on a formal application.

Do I need tax returns to get started?

No tax returns are required to start. The matcher works from how your income is structured, not from filed returns. Depending on the program you choose, later documentation might be business bank statements, a CPA-prepared P&L, or 1099s rather than full tax returns.

Is the matcher making the lending decision?

No. The matcher applies written program-and-guideline rules to identify the one to three options that fit your income structure. Every match is reviewed by a licensed loan officer, and all loan decisions are made by licensed mortgage professionals — never by the software alone.

How long does the check-in take?

About 60 seconds. It is five questions with no uploads and no account required. You see your best-fit programs immediately, then decide whether you want a licensed loan officer to review and reach out.

What happens after I see my matched programs?

You can compare the matched programs side by side, read how each one documents income, and request a review. A licensed loan officer confirms the fit against current guidelines and answers your questions before any formal application or credit pull.

What if my income comes from more than one source?

That is common for business owners and investors, and the matcher is built for it. You can describe blended income — for example owner draws plus rental cash flow — and your loan officer can structure a file that uses the documentation approach that qualifies you for the most.