Approval AI Logo - AI Powered Mortgage Assistance
Approval AI helps a homebuyer and their cat find the best mortgage using AI

BACKED BY Y COMBINATOR

Easiest way to get
the Best Home Loan

Let AI handle the mortgage maze from start to finish.

Simplified mortgage application: one form for all lenders with Approval AI

Easy Process

One Form. All Lenders.

Save money on your mortgage with Approval AI's negotiation feature

Big Savings

AI-assisted Negotiation

Enjoy a spam-free mortgage process with Approval AI's privacy focus

Zero Spam

Peace of Mind

OVERVIEW

How It Works?

Three simple steps. One powerful AI assistant.

Step 1: Fill one simple mortgage application form with Approval AI
STEP 1

Fill One Form

Gather your information and fill just one form. Let AI handle the rest.
Step 2: Approval AI helps shop and negotiate mortgage rates with lenders
STEP 2

AI Helps Shop & Negotiate

AI helps you shop and negotiate with lenders so you don't have to lift a finger.
Step 3: Pick the best mortgage deal from personalized offers via Approval AI
STEP 3

Pick The Best Deal

Review personalized offers and choose the one that fits you best.
AI AGENT

Your Personal Home Loan Assistant

Ask your assistant anything about home loans or Approval AI

"What are discount points?""How does Approval AI work?""What's pre-qualification vs. pre-approval?"
SAVINGS

This is why you shop around

Assuming a 30-year fixed home loan at current market rates

$48,000
Lifetime Savings
$300,000
$800,000
Loan Amount
$2M+
PRODUCT FEATURE

Your AI
Deal Maker

Use AI to call, email, text, and negotiate with lenders to get the best deal without the awkward phone calls or industry jargon. Spend more time on the fun stuff, like picking out throw pillows instead of comparing origination fees.

Approval AI's AI Deal Maker negotiates with lenders for the best mortgage terms
One mortgage application for all banks and lenders with Approval AI platform
PRODUCT FEATURE

One Form.
All Lenders.

No duplicate paperwork. No portal-hopping. Fill out just one form and use our platform to shop it around to banks, credit unions, and other lenders like it's Black Friday. Your data stays private until a lender earns the right to see it.

Apply Now
PRODUCT FEATURE

Smart Help,
Human Touch

Ask your AI assistant for instant answers, 24/7. And when things get more complex, a real human expert is just a message away. No more mortgage advice from Reddit threads or ChatGPT rabbit holes, just real answers from people who get it.

Get AI mortgage support with human backup from Approval AI experts
Approval AI's zero spam promise for a private mortgage application experience
PRODUCT FEATURE

Zero Spam.
Promise.

We hate spam too. We won't sell your info, and we'll help you avoid cold calls, spammy emails, and "just checking in" texts from lenders. We're here to help you get the best deal. Nothing more, nothing shady.

Get the Best Deal
SECURITY

How We Protect Your Data

It's safe, private, and under your control.

Bank-level AES-256 encryption for data security at Approval AI

Bank Level Encryption

Same encryption as your bank (AES-256, TLS 1.2+) to keep your data secure.
Approval AI does not sell your personal mortgage data

We Don't Sell Your Data

Your data is never sold. Share your data only with lenders you choose.
Your mortgage information is private by default with Approval AI

Private By Default

We don't use your personal information to train or improve the AI assisant.
FAQ

We get these a lot

Understanding how Approval AI works for you.

Approval AI was founded by a team of first-time homebuyers who experienced the challenges of the mortgage process firsthand. We built Approval AI to:

  • Make the mortgage process radically simpler
  • Enable one application for multiple lenders
  • Provide smarter shopping for better deals
  • Eliminate the chaos of traditional mortgage processes

Approval AI is available to borrowers in all states across the US.

Our platform supports all types of lenders, and you can work with any lender of your choosing. You can:

  • Access information about major banks and financial institutions
  • Discover local banks and credit unions in your area
  • Work with online mortgage lenders and direct lenders
  • Bring your own preferred lender - you're never limited to our network
  • Research and evaluate all your lender options independently

You can use our platform to explore additional options:

  • Research and compare rates from other lenders
  • Access tools to evaluate different loan terms
  • Organize and track multiple loan offers
  • Make informed decisions about your mortgage options
CONTACT US

Get hassle-free loans

We'd love to hear from you.

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LEGAL DISCLAIMER: Approval AI ("we," "our," "us") is a technology platform that enables users ("you," "borrowers," or "consumers") to independently explore, organize, and manage the mortgage process. Approval AI is not a mortgage lender or broker. Our technology will help educate you about the mortgage application and shopping process and help you identify, collect and prepare your personal financial information for your use in a potential mortgage application, but we do not take formal mortgage applications from our users or provide them to mortgage lenders on your behalf; nor do we offer or negotiate loan terms, make, or arrange loans on your behalf. We do not receive compensation from lenders or other third parties for referrals or loan-related activities, nor do we recommend or endorse any lenders, loan originators, or loan products. You are solely responsible for reviewing, completing, and submitting any application materials to a lender of your choice, and ensuring the accuracy, veracity, completeness and authenticity of any such documents and information. All information provided to you by Approval AI is for informational purposes only and should not be interpreted as legal, financial, or mortgage advice. Use of our platform is at your own risk, and we strongly encourage consulting licensed mortgage professionals before making loan decisions. This disclaimer may be updated without notice.