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Pre-approved in minutes.
Close in 14 days.

Skip the paperwork marathon. Our AI-powered platform gets you pre-approved with a soft pull that won't affect your credit. Bank statement and DSCR loans for self-employed borrowers and investors.

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Soft credit pull only — no impact on your credit score

3 min

Pre-approval time

14 days

Average close time

No impact

Soft credit pull

24/7

Human support

How it works

From application to keys in your hand — faster than you thought possible.

01

Quick application

Answer a few questions about yourself and the property. Takes about 3 minutes.

02

Instant pre-approval

Get a real pre-approval letter with a soft credit pull. No impact on your score.

03

Upload documents

Submit bank statements, ID, and property details. Our AI analyzes everything instantly.

04

Close fast

We handle the rest. Average close time is 14 days — not the industry standard 45.

A better way to get a mortgage

Built for borrowers who value their time and credit score.

Pre-Approval in Minutes

Get a real pre-approval letter with a soft credit pull. No impact on your credit score, no waiting days for a response.

Close in 14 Days

Our AI-driven process eliminates bottlenecks. What takes others 30-45 days, we do in as fast as two weeks.

Bank Statement Loans

Self-employed? We qualify you based on your actual bank deposits, not tax returns that understate your income.

DSCR Loans

Real estate investors qualify based on property cash flow, not personal income. Scale your portfolio faster.

Tech-Driven, Human Available

AI handles the heavy lifting, but a real loan officer is always available when you need them.

Transparent Process

Track your loan in real-time. Know exactly where you stand at every step — no black boxes.

What our borrowers say

Real people, real closings, real fast.

“I was pre-approved in literally 3 minutes. No other lender could even come close to that speed.”

Sarah M.

First-time homebuyer · Austin, TX

“As a self-employed contractor, banks always made it difficult. Fundigo understood my bank statements and got me approved fast.”

Michael R.

Small business owner · Denver, CO

“Closed on my investment property in 12 days. The DSCR loan process was seamless — no personal income docs required.”

Jennifer L.

Real estate investor · Miami, FL

Frequently asked questions

Have another question? Contact us

No. We use a soft credit pull for pre-approval, which does not impact your credit score. A hard pull only happens when you officially apply for the loan after finding a property.
Bank statement loans qualify you based on your actual bank deposits over 12-24 months instead of tax returns. This is ideal for self-employed borrowers whose tax returns may understate their real income.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than your personal income. If the property's income covers the mortgage payment, you can qualify — great for real estate investors.
Our AI-powered platform automates document analysis, underwriting checks, and compliance reviews that traditionally take weeks. We've eliminated the back-and-forth that slows down traditional lenders.
Absolutely. While our technology handles the heavy lifting, a licensed loan officer is always available to answer questions, explain options, or step in whenever you need human guidance.
For bank statement loans, typically 10-20% depending on credit score and loan amount. For DSCR investment properties, typically 20-25%. We'll show you exact requirements during pre-approval.

Ready to get started?

Get pre-approved in minutes with no impact to your credit score. Our team is standing by.

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