Hiru Lending is launching soon — be the first to know. Join the waitlist →
AI-powered mortgage planning — coming soon

Smarter mortgages are coming.

Hiru Lending is building AI-powered tools that create a personalized roadmap to mortgage approval — even when you don't qualify today. Get on the list to be first in line.

AI tools launching soon Traditional loans available now

Three steps from "not yet" to "approved"

We're building AI tools that turn a mortgage denial into a clear action plan. Here's what the experience will look like.

1

Share your snapshot

Answer a few quick questions about your income, credit, debts, and savings. Takes about five minutes — no hard credit pull.

2

Get your AI plan

Our AI analyzes hundreds of loan programs, finds the gaps in your profile, and builds a custom action plan with realistic timelines.

3

We walk you home

Follow your milestones with ongoing support. When you're ready, we match you with the right loan and close the deal.

AI Pathway Preview
Coming soon
65% complete

Raise credit score +45 pts

Pay Card #2 to 30% util. Dispute 2021 collection.

Done

Reduce DTI to 43%

Consolidate auto + personal. Switch student plan.

Done

Build 3-month reserves

Auto-save $400/mo → $7,200 target by Q3.

In progress

Qualify — FHA 3.5% down

Est. buying power: $285,000. Target: Sep 2026.

Upcoming

A living plan that adapts with you

Most lenders give you a "no." We're building something different — AI that identifies exactly what to fix, how to fix it, and when you'll be mortgage-ready. Here's what you'll get:

  • Personalized credit improvement strategies
  • Debt-to-income optimization guidance
  • Down payment & savings acceleration
  • Real-time progress tracking & milestones
  • Auto-matched to 200+ loan programs

Every type of home loan, one place

Whether you're buying your first home, refinancing, or investing — we find the right program at the best rate.

🏠

Purchase

Conventional, FHA, VA, USDA, and jumbo. We scan every program to find your best fit.

🔄

Refinance

Rate-and-term, cash-out, or streamline. We alert you the moment it makes sense.

COMING SOON
📊

AI Readiness Plans

Don't qualify yet? Soon our AI will build your personalized roadmap with actions, timelines, and milestone tracking.

🏗️

Non-QM & DSCR

Bank statements, asset-based, and investor loans for self-employed and portfolio buyers.

200+
Loan programs available
50
States licensed
Fast
Pre-approvals in minutes
$0
To get started

Ready to get started?

Need a mortgage now? We're here to help. Want early access to our AI planning tools? Join the waitlist and be the first to know when they launch.

[email protected] · (XXX) XXX-XXXX