Know exactly where you stand,
before you ever fill out an application.
Free AI pre-qualification in 3 minutes. See which loan programs fit you, get a 0–100 readiness score, and get matched to a local realtor — without a credit pull and without the spam.
< 3
Minutes to qualify
None
Impact on credit
$0
Cost to you
Why Sofla
Clarity before commitment
Most borrowers find out they don't qualify after weeks of paperwork and a hit to their credit. Sofla gives you the answer first — honestly, transparently, and before anyone pulls anything.
3-Minute Pre-Qualification
Answer a handful of structured questions about your credit, income, assets, and down payment. Our AI scores you across 9 dimensions and tells you exactly where you stand — in under three minutes.
No Credit Pull
Sofla doesn't hit your credit report. Your qualification is based on your self-reported information, so there's zero impact on your FICO score. Run it as often as you want.
Know Your Loan Program
FHA, Conventional, Jumbo, Bank Statement, Foreign National, and more. You see every program you qualify for with an honest match-strength rating — so you stop guessing which door to knock on.
Matched to a Local Realtor
Once you qualify, we match you with a realtor who serves your county and works with your loan type — Spanish, Haitian Creole, Portuguese, English. Free for you. Always.
Actionable Next Steps
Not ready yet? You'll see exactly what's holding you back — with concrete, prioritized guidance. Every score factor is explained. You always know which number to move next.
Privacy-First
We don't sell your data. Your contact information is only shared with a realtor after you've both expressed interest in connecting. No cold calls. No surprise emails.
How It Works
From sign-up to matched realtor
Create your account
Sign up as a borrower in under a minute. No credit card, no payment required — ever.
Run the AI intake
Six structured steps covering credit, income, employment, assets, debt, and property goals. Answer honestly — the more accurate, the better your match.
See your results instantly
Your 0–100 Sofla Score, the loan programs you qualify for, and clear guidance on what to improve if you're not ready yet.
Get matched to a realtor
If you qualify for a purchase loan, we match you with a local realtor who works with your loan type and county — for free. They reach out within 24 hours of accepting.
What You Get
A transparent score, not a black box
Your Sofla Score breaks down into four weighted components — credit, income, assets, and debt — so you know exactly which lever to pull next. If you're not ready, you see specific, prioritized actions to get there.
- 0–100 overall readiness score
- Component breakdown across 4 dimensions
- Eligible loan programs with match strength
- Actionable guidance if not yet qualifying
- Fair-lending compliant adverse-action trail
Your Readiness
Ready to ConnectFHA Loan
Primary Match · Miami-Dade
78
out of 100
Eligible Programs
FHA · Conv.
Realtors Matched
1 · Miami-Dade
Trust
Free, forever — no strings
Sofla is free for borrowers. Always. Our revenue comes from realtors paying a small commission only when a deal closes — never from you, never from your data.
Pre-qualification
Free
Answer questions, get matched
Realtor match
Free
Local, licensed, language-matched
Your data
Private
Never sold to third parties
Know where you stand in under 3 minutes
No sales calls. Just an honest answer on where you stand.
Start My Pre-Qualification →Takes 3 minutes · No credit card · South Florida