Sofla.
Core Platform

AI-Powered Borrower Qualification

Answer guided questions to see a preliminary score and possible loan program. A licensed loan expert confirms the next steps and document requirements.

What the Engine Does

Four capabilities working together to eliminate manual pre-qualification.

Score Engine

Proprietary algorithm analyzes 11 borrower data points to generate a qualification score from 0-100, factoring in income stability, credit profile, and debt ratios.

Red Flag Detection

Catches issues early (undisclosed liabilities, employment gaps, income inconsistencies, and property red flags) before they derail underwriting.

Loan Lane Routing

Automatically determines which of 7 loan programs the borrower qualifies for: FHA, Conventional, Jumbo, Foreign National, Bank Statement, Fix & Flip, or Reverse Mortgage.

Document Guidance

Explains common documents for the matched program. Your loan expert confirms the final list and provides their firm’s secure upload link.

How It Works

01

Enter Details

Borrower answers guided questions covering income, employment, assets, credit, and property goals.

02

AI Scores & Matches

The qualification engine analyzes responses, generates a score, flags potential issues, and matches the borrower to the best-fit loan program.

03

Get Qualified

Borrower receives a preliminary qualification result and matched loan type. A licensed loan expert confirms next steps.

Try It Free

See how the AI qualification engine works. No credit card, no commitment.

Start Qualifying Borrowers