Hey Product Hunt! 👋 Non-QM mortgages are essentially all residential mortgages that aren't government backed. That's a huge portion of the market and the process behind originating them is still incredibly manual and painful. When we started doing market research, Non-QM loans made up around 3% of total mortgage originations. In just a few years they've grown to over 8% of total volume and forecasts project 30%+ growth in production again this year. We believe this industry will continue to grow YoY and we built the tech to support it. My co-founder and I stumbled into this space and honestly couldn't believe how broken it still was. Loan officers were losing deals. Not because borrowers didn't qualify, but because navigating Non-QM guidelines is genuinely hard. Bank statement loans, DSCR, asset depletion, credit exceptions... every program has its own overlapping rules. Even experienced brokers spend hours chasing answers across rate sheets and AE calls. We built Underight.ai to fix that. It's an AI-powered decision-support tool that helps mortgage professionals instantly evaluate whether a borrower fits a Non-QM product and understand exactly why. We got here by talking to real people in the industry before writing a single line of code. We showed up, we listened, and we built around what we actually heard. The problem is real, the need is urgent, and we're just getting started. Would love feedback from anyone in lending, fintech, or real estate investing. Ask us anything! 🏡

Underight

Non-QM decision-support, done right.

Non-QM decision-support, done right.