See Your Loan Like an Underwriter
Before You Apply
Get a clear, AI-powered underwriting readiness report from your own documents — before you submit an application or impact your credit.
Deep analysis only $29
Why This Matters
Underwriters don't read documents like you do — they analyze patterns, flags, and risk signals. LoanDocs.ai helps you see what they actually see so you can fix issues early, avoid denials, and improve your odds of approval.
Underwriter-Ready Documents
See if your documents meet underwriting standards
Income Consistency Analysis
Track income patterns over time like lenders do
Risk Flag Detection
Identify issues that could lead to denial
Actionable Recommendations
Get specific tips to improve approval odds
How It Works
Three simple steps to understand your loan readiness
Upload Your Loan Documents
Bank statements, paystubs, W-2s, tax returns — give us what you have.
AI Analyzes Like an Underwriter
Our system uses advanced AI to extract income, expenses, debts, and risk indicators.
Get Your Personalized Report
Underwriter-style summary, key strengths & risks, actionable tips, PDF + Excel export
Documents You'll Need
Bank Statements
Last 2-3 months
Pay Stubs
Recent pay periods
W-2 Forms
Previous year
Tax Returns
1-2 years
1099, Schedule C or K
If self-employed
What You'll Learn
Are your documents underwriter-ready
Know if your paperwork meets lending standards
Income consistency over time
Track patterns that lenders look for
Spending patterns lenders care about
Understand what raises red flags
Risk flags that could lead to denial
Catch issues before they become problems
Quick fixes before you apply
Actionable steps to improve your odds
Perfect For
First-time homebuyers
Self-employed or gig workers
Borrowers with complex income
Anyone nervous about loan denial
Success Stories
"I thought I was ready — until LoanDocs.ai showed me hidden risk flags. I fixed them and got approved weeks later."
Maria
IL
"As a freelancer, I never knew what lenders cared about. This report was a game-changer."
James
CA
"I like how it breaks down the need and how it notifies the applicant to submit the missing paperwork. The analysis it gave was great."
Actual Underwriter
GA
Simple, Transparent Pricing
One-time payment, lifetime access.
Deep Analysis Report
Security & Privacy You Can Trust
Your documents are fully encrypted and never sold or shared. We don't pull credit. We don't train on your data. Your privacy comes first.
End-to-End Encryption
Bank-level security for all your documents
No Credit Impact
We analyze documents only, never your credit
Your Data, Your Control
Never shared, never sold, never trained on
Frequently Asked Questions
Do you check my credit score?
No — we analyze your documents only. No credit checks or hard inquiries.
Will this guarantee I get a loan?
No — we show you what underwriters see to boost your odds. This helps you fix issues before applying.
Is it secure?
Yes — encrypted end-to-end with strict privacy practices. Your documents are never sold or shared.
What documents do I need?
Upload what you have: bank statements, paystubs, W-2s, tax returns. The more documents, the better the analysis.
Ready to See Your Loan Through an Underwriter's Eyes?
Get your personalized readiness report and boost your approval odds
No credit check • Takes 5 minutes
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