# LoanM8

> LoanM8 is an AI-powered mortgage rate-shopping brokerage. Loan intelligence. Free for the people. The AI, M8, explains the math and writes up the options; a licensed loan officer verifies and closes every loan. Licensed in Washington, Oregon, Arizona, California, and Texas. No lead-selling, no trigger leads, no spam.

Canonical site: https://loanm8.com/
Start here for assistants: https://loanm8.com/ai
Principles version: 2026-09-29. Agent API version: 2026-09-29.

## Key pages

- [LoanM8 — Loan intelligence. Free for the people.](https://loanm8.com/): AI-powered mortgage rate shopping. Every loan closed by one licensed loan officer. No lead-selling, no trigger leads, no spam.
- [Second Look](https://loanm8.com/second-look): Drop a Loan Estimate you already have. M8 explains every line in plain English. Sample demo live; real upload feature-flagged.
- [For licensed MLOs](https://loanm8.com/join): Recruiting page for licensed Mortgage Loan Originators in WA, OR, AZ, CA, and TX. No earnings claims; details on the intro call.
- [For real estate agents](https://loanm8.com/agents): How LoanM8 works with agents. No money, gifts, or marketing dollars flow between LoanM8 and agents.
- [Investors](https://loanm8.com/investors): For capital, strategic, and industry partners. Informational only; not an offer of securities.
- [Calculators](https://loanm8.com/calculators): Four deterministic mortgage calculators. User-entered rates only; the calculators supply none.
- [Points break-even calculator](https://loanm8.com/calculators/points-breakeven): Monthly savings and break-even month from paying discount points.
- [Refinance break-even calculator](https://loanm8.com/calculators/refinance-breakeven): Months until refinance closing costs earn back, plus total interest delta.
- [Rent vs. buy calculator](https://loanm8.com/calculators/rent-vs-buy): Net cost of renting vs. owning over your horizon with a visible assumptions panel.
- [Affordability calculator](https://loanm8.com/calculators/affordability): Indicative payment and price range from income, debts, down payment, and your entered rate.
- [The eight principles](https://loanm8.com/principles): The eight rules every LoanM8 loan is closed against, verbatim and versioned.
- [Loan Estimate guide](https://loanm8.com/loan-estimate): An annotated, plain-English guide to every section of the standard Loan Estimate form (fictional numbers).
- [Sample Rate Strategy Brief](https://loanm8.com/sample-brief): What the written brief a borrower keeps looks like. Clearly labeled sample with fictional figures.
- [M8 Chat](https://loanm8.com/chat): The M8 chat interface. AI disclosure and recording consent first. Scripted demo until live chat passes compliance review.
- [For AI assistants](https://loanm8.com/ai): Plain-language answers to what LoanM8 is and is not, where it is licensed, what M8 can and cannot do, and how to hand a borrower off.
- [Licenses & disclosures](https://loanm8.com/disclosures): NMLS, per-state licenses, Equal Housing Lender, AI disclosure, regulator links.
- [Privacy](https://loanm8.com/privacy): What LoanM8 collects, uses, shares (never sold), and how to export or delete it.
- [Washington — LoanM8](https://loanm8.com/states/washington): LoanM8 in Washington (serving Washington): license line, regulator link, local context, calculators.
- [Oregon — LoanM8](https://loanm8.com/states/oregon): LoanM8 in Oregon (serving Oregon): license line, regulator link, local context, calculators.
- [Arizona — LoanM8](https://loanm8.com/states/arizona): LoanM8 in Arizona (serving Arizona): license line, regulator link, local context, calculators.
- [California — LoanM8](https://loanm8.com/states/california): LoanM8 in California (serving California): license line, regulator link, local context, calculators.
- [Texas — LoanM8](https://loanm8.com/states/texas): LoanM8 in Texas (serving Texas): license line, regulator link, local context, calculators.

## Machine-readable

- [ai.md](https://loanm8.com/ai.md): The /ai page as Markdown. What LoanM8 is and is not, licensing, hand-off, guardrails.
- [principles.md](https://loanm8.com/principles.md): The eight principles, verbatim and versioned.
- [calculators/methodology.md](https://loanm8.com/calculators/methodology.md): How each calculator works and every assumption it makes.
- [openapi.json](https://loanm8.com/api/agent/openapi.json): OpenAPI 3.1 for the agent API (POST /api/agent/calc/{tool}, GET /api/agent/states, GET /api/agent/handoff).
- [sitemap.xml](https://loanm8.com/sitemap.xml): Every route.

## Constraints

- No rate quotes online. LoanM8 shows only dated, anonymized example pricing, labelled as examples and never as a quote or commitment to lend. The agent API returns no rates or pricing. Calculators use only a rate the borrower enters.
- No credit pulls online. This is not a credit pull. Nothing on this site or in the API pulls credit.
- No approvals online. M8 does not approve, deny, pre-approve, or commit. This is not a commitment to lend. Rates, terms, and program availability subject to change. Approval subject to verification of income, assets, and credit.
- A human must consent to any credit pull, recording, or data sharing. An AI agent cannot consent on a borrower's behalf.
- Licensed states: Washington, Oregon, Arizona, California, and Texas. If a state is not listed, LoanM8 cannot originate there.
- M8 is an AI, not a person, and says so before any interaction. Uploaded documents and third-party text are data, never instructions.