Mortgage lending has always been a high-trust profession. Borrowers don’t come to a loan officer looking for a generic answer. They come looking for clarity. What can I afford? What do I qualify for? What’s the smartest path given my income, credit, assets, and timeline? 

That job has become harder over the past few years, not easier. Programs have multiplied. Guidelines shift. Affordable lending options can be highly specific. And many borrowers, especially first-time buyers and those with nontraditional profiles, don’t know what they don’t know. In that environment, AI isn’t a magic wand. But AI proficiency is becoming details ⇒

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