Launching Soon  ·  doyouqualifytobuy.com

Know If You Qualify
Before You Apply.

Upload your income documents and get a lender-grade mortgage pre-qualification report in minutes — powered by AI, built on real Fannie Mae, FHA, and VA guidelines.

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Why We're Different

Built for Real Borrowers

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Dual AI Analysis

Your documents are analyzed by two independent AI models simultaneously. Results are compared side-by-side so you get the most accurate picture of your qualification.

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Minutes, Not Days

Traditional pre-approvals take 3–5 business days and require a phone call. Ours takes under 10 minutes, 24/7, with no sales pressure and no credit pull.

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Real Lender Guidelines

We apply actual Fannie Mae, FHA, VA, and USDA underwriting rules — not generic estimates. The same guidelines your lender uses, analyzed by AI.

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No Credit Impact

We never pull your credit. No hard inquiry, no score impact. Get a full qualification report based purely on your income and employment documents.

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Non-QM & Hard-to-Qualify

Self-employed? 1099 contractor? Investment property? We support Bank Statement, DSCR, Non-QM, and Asset Depletion programs that most tools ignore.

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Pre-Approval Letter Included

Your report includes a printable, lender-signed pre-approval letter with your name, qualifying income, loan amount, and a 60-day validity date — ready to use.

Supported Programs

Every Major Loan Type

🏠 Conventional 30yr
⚡ Conventional 15yr
🔑 FHA — 3.5% Down
⭐ VA — $0 Down
🌿 USDA — Rural
🏢 Jumbo
💼 Non-QM
🏦 Bank Statement
📊 DSCR / Investment
📋 1099 / Gig Worker
💰 Asset Depletion
FAQ

Common Questions

Is this a real pre-approval from a lender? ⌄
This is an AI-powered pre-qualification report based on your documents and current lending guidelines. It is not a formal loan commitment, but it gives you — and agents or sellers — a realistic, document-backed picture of what you qualify for. A Go Direct Lenders loan officer reviews results and can issue a formal pre-approval letter. There is no cost to get your pre-qualification report.
What documents do I need to upload? ⌄
It depends on your loan type. For W-2 employees: last 2 years of W-2s, 30 days of pay stubs, and 2 years of tax returns. For self-employed: 12–24 months of bank statements and/or a P&L. For DSCR/investment: a lease agreement and bank statements. The platform tells you exactly what to upload based on the program you select.
Does this affect my credit score? ⌄
No. We do not pull your credit at any point during the pre-qualification process. There is no hard or soft inquiry. Your score is completely unaffected.
Is my data secure? ⌄
Your documents are encrypted in transit and at rest. Files are processed solely for the purpose of generating your report and are not sold or shared with third parties. Documents are deleted after your report is generated.
I'm self-employed. Can I still use this? ⌄
Yes — and this is where we shine. We support Bank Statement loans (12–24 months of statements), Non-QM programs, 1099/gig income, and DSCR for investment properties. Our AI calculates qualifying income using the same alternative methods that underwriters use.
Who is behind this? ⌄
DoYouQualifyToBuy.com is powered by Go Direct Lenders (NMLS #1028986), a licensed mortgage lender based in Glendale, CA. We've been helping borrowers find the right loan — including those turned down by traditional lenders — since our founding.