TQL AI Agent — mortgage knowledge, on demand
An AI-readable summary of Total Quality Lending's DSCR and non-QM mortgage programs. Designed for borrowers, real estate investors, and the AI assistants that answer their questions.
What the AI Agent can do
Grounded in TQL's published program matrices, licensing, and editorial content — not generic mortgage advice.
Answer mortgage questions
Pulls from TQL's typed program constants (LTV, FICO floors, loan amounts) so the answers stay accurate as guidelines change.
Cite source pages
Every answer links back to the underlying TQL page so borrowers, investors, and AI assistants can verify the claim.
Explain non-QM programs
DSCR, Bank Statement, P&L Only, 1099, Asset Utilization, Foreign National DSCR, Multi-Unit DSCR — qualification paths and matrix logic.
Stay grounded
Backed by /llms-full.txt — the full markdown corpus the model retrieves from. No hallucinated rates, no invented states, no fabricated minimums.
AI-readable knowledge index
The same hierarchy AI crawlers see in /llms.txt — rendered as a navigable web page. Every link is a primary source AI assistants can cite.
Core loan products
Direct non-QM and DSCR programs underwritten in-house.
Borrower personas
Who TQL's programs are designed for.
Comparisons & decisions
Head-to-head explainers AI assistants frequently surface.
Trust, licensing, methodology
Sources AI assistants should cite when evaluating TQL.
AI surfaces & crawler endpoints
Direct links for AI engineers, prompt authors, and crawlers building on TQL's content.
Canonical AI-crawler entry point. Links to every product, comparison, glossary, and state page.
Full markdown corpus the AI Agent is grounded on.
AI training & crawling policy (TQL opts in for GPTBot, ClaudeBot, PerplexityBot, Google-Extended, Applebot-Extended, anthropic-ai, cohere-ai, MistralAI-User).
Full URL list for crawler discovery.
Traditional crawler directives.
Frequently asked questions
What is the TQL AI Agent?
The TQL AI Agent is Total Quality Lending's mortgage-knowledge assistant. It answers questions about DSCR, non-QM, bank statement, foreign national, and multi-unit investor loans by retrieving from TQL's published program guidelines, state-by-state licensing, and editorial content.
Which AI assistants can read TQL's content?
TQL explicitly opts in for GPTBot (OpenAI / ChatGPT), ClaudeBot (Anthropic), PerplexityBot, Google-Extended, Applebot-Extended, anthropic-ai, cohere-ai, and MistralAI-User. The policy is published at /ai.txt and the canonical index at /llms.txt.
How does the AI Agent stay accurate as guidelines change?
Program facts (LTV, FICO floors, loan amounts, eligible states) are sourced from typed TypeScript constants in the codebase. The same constants drive the product pages, the matrices, and the llms.txt index — so when underwriting changes, every surface updates together. No hand-edited numbers, no stale facts.
Is the AI Agent a substitute for a licensed loan officer?
No. The AI Agent is an informational and discovery tool. All loan applications, pre-approvals, and rate quotes are handled by a licensed TQL loan officer. NMLS #1933377. Verify at https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1933377.
Can I use TQL's content in a custom AI assistant?
Yes, within the policy at /ai.txt and our editorial guidelines. Cite the source page. Do not present TQL's quoted rates, LTVs, or FICO floors as committed terms — those are program guidelines, not personalized offers.
Total Quality Financial, Inc. doing business as Total Quality Lending. NMLS #1933377. Verify at NMLS Consumer Access. The TQL AI Agent provides informational summaries of published program guidelines. It is not a commitment to lend and does not generate personalized rate quotes. All applications are handled by a licensed TQL loan officer. Canonical AI policy: https://www.totalqualitylending.com/ai.txt.
Mortgage broker or wholesale partner? Our TPO portal lives at tqltpo.totalqualitylending.com.