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Every cost of your home. One honest advocate.

Your loan, title and insurance, planned in one place. No sales calls.

Buying or owning a home comes with three big bills: the loan, the title and closing costs, and the insurance. Lowi™ AI helps you understand and plan for all three, with no sales calls.

Or go straight to
A couple laughing on the front steps of their new home, holding a key
Mortgage● LiveWatch & qualifyA text and an email when rates hit your target, and a KwaliPass™ you control.Set a rate alertGet pre-qualified
Title & closing costs● LiveAll 50 statesEstimate title and settlement fees, check your Loan Estimate, and compare quotes yourself.Estimate my costs →
Home & Auto Insurance● Coming soonCompare quotesFrom a licensed insurance partner, plus plain-English guides on coverage and your escrow.Homeowner guide →

I want to

A couple carrying boxes into their brick home
Buying · Scenario IntelligenceKnow your number before you fall for a house.

Lowi™ models every down payment, tax, and insurance scenario. Then your KwaliPass™ shows agents you are ready, without putting your number on a lead list.

✓Pre-qualify in about 5 minutes✓No paperwork to start✓Share only with the agent you choose

Two tools. Zero sales calls.

Watch the market on your schedule. Then shop any lender with one shareable pre-qualification.

Rate Alerts

Set a target. We'll tell you when.

For a purchase, refinance, or HELOC. Lowi™ can suggest a realistic target, then sends a text and an email when your number shows up. No application.

Example alert · 30-Year Fixed● Watching
Target6.25%
Today6.45%
Alerts by text and email · Watching 90 days
Set up Rate Alerts
KwaliPass™

One pass. Any lender.

Pre-qualify once with the basics, reviewed by a Kwalifai mortgage professional. Share it with the agent or lender you choose, only when you choose.

KwaliPass™Example
Loan range$780K to $850K
Home Purchase30-Yr Fixed20% Down
Valid 90 days · Scan to view
Get KwaliPass™ in 5 min
The Transparency Manifesto

The advocate, not the lead machine.

Kwalifai is your secret weapon in every financial room you enter.

Read the Borrower Manifesto →
  • Free to exploreRates, calculators, Lowi™ AI and alerts are open to everyone.
  • No commissionsLowi™ gets no bonus if you take a higher rate.
  • No spamYour number is never sold to lenders.
  • Your data, your controlNothing is shared until you grant your KwaliPass™.
  • Transparent mathNo hidden fees. See the true cost of every cent.
  • NMLS-licensedMortgage services by a licensed loan originator.

Four steps. No surprises.

  1. 1Sign up in secondsName and mobile, one code.
  2. 2Compare scenariosRates, payments, total cost.
  3. 3Set rate alertsKnow first when it's time.
  4. 4Share your KwaliPass™Only with the lender you pick.

One Pass. Every loan.

Mortgage and title tools are live today. The rest of your financial life is next, with the same no-spam promise.

MortgageLiveTitle & closing costsLiveAuto loansJoin the waitlistPersonal loansJoin the waitlistHome & Auto InsuranceLaunching soonStudent loansComing soon
An agent handing keys to a smiling multigenerational family at their front door
For realtors, lenders & title

Winning offers start with KwaliPass™.

Scan a buyer's QR code and see they're pre-qualified before you open the door. Stop wasting time with unverified leads.

Become a partner

Your mortgage advocate is waiting.

Set up your first Rate Alert in under 2 minutes. No credit card required.

Join Kwalifai TodayAsk Lowi™ a question