The smarter this gets, the more it has to explain itself.

You answer questions in plain language, the tools model scenarios from your answers, and a licensed advisor picks up the conversation when you want one. Nothing you do here starts a mortgage application, and nothing here reviews your credit.

Planning mode vs. application mode

Everything on this site is planning: education, preferences, and modeled scenarios. When you begin an application, we say so on screen — You're now beginning your official borrower profile. — and information moves into the secure mortgage systems.

Results are modeled from the assumptions shown and the numbers you entered. Nothing has been verified, no credit was reviewed, and no lending decision has been made. Actual terms depend on a complete application and underwriting.

Every calculator shows its inputs under How we calculated this, and every personalized card can answer Why am I seeing this?

Automation decides when to help, never who is more valuable. Full detail on the AI transparency page.

Planning answers stay on your device until you choose to save a plan. We classify everything we hold and increase controls with sensitivity.

• Class 0 — Public

  Marketing and educational content

  No restriction.

• Class 1 — Experience

  Journey selections, payment target, preferences

  Stays on your device until you save a plan.

• Class 2 — Personal

  Name, email, phone, property address

  Collected only when you choose to save or be contacted.

• Class 3 — Financial

  Mortgage balance, income, assets, credit data

  Handled inside authorized mortgage systems with access controls.

• Class 4 — Highly sensitive

  SSN, identity documents, bank credentials

  Never collected by these planning tools. Secure application only.

These planning tools never ask for:

Social Security number · Full date of birth · Bank login credentials · Tax returns · Government ID · Account numbers · Credit report data

How long we keep things

• · Anonymous planning data — On this device until you clear it
• · Saved plan — Kept while active, reviewed after 24 months of inactivity
• · Advisor notes — Retained per lender recordkeeping policy
• · Consent records — Retained as evidence of permission, even after revocation
• · Audit logs — Retained per security program
• · Application information — Held in the lender's systems under legal retention rules

AlignWithAlign is built as a financial system, not a marketing site. Without publishing details that would help an attacker: we use encryption in transit and at rest, strong authentication with multi-factor for advisor and account access, role-based access limited to what a person needs for their job, audit logging of sensitive access, monitoring and testing, vendor security review, and a written incident-response process.

Sensitive identity, credit, income and document data is handled inside approved mortgage systems, not in the public planning experience.

We build to WCAG 2.2 AA as a product standard. Every slider has a keyboard and numeric alternative, progress is stated in words as well as color, cards are real buttons and links, motion respects your reduced-motion setting, and charts include a text summary and data table.

Align Lending LLC (dba AlignWithAlign) · NMLS ID #2041154

2625 Pontiac Lake Rd, Waterford, MI 48328 · 248-506-5727

• · Michigan: Licensed by the Michigan Department of Insurance and Financial Services.
• · Florida: Licensed to originate mortgage loans in Florida.
• · Texas: Licensed to originate mortgage loans in Texas.
• · Louisiana: Licensed to originate mortgage loans in Louisiana.
• · North Carolina: Licensed to originate mortgage loans in North Carolina.
• · Ohio: Licensed to originate mortgage loans in Ohio.
• · Indiana: Licensed to originate mortgage loans in Indiana.

We route you only to an advisor licensed in your state. Equal Housing Opportunity. We do business in accordance with federal fair lending laws.

Personalization uses what you tell us about your goals — never protected characteristics or proxies for them. We do not attempt to infer them.

Intent scoring measures when to reach out — urgency, recency, and what you asked for. A lower-intent plan may get less urgent outreach, never lower-quality service.

Something wrong, unwanted, or hard to use? Tell us and it gets routed to the right team — privacy, compliance, accessibility, or your advisor.