AI-C5.0 Classifier | Annregar Realty

Know Your
Mortgage Eligibility
in Minutes

QUALIHOME is Annregar Realty’s official pre-qualification platform. Powered by the Similarity-Augmented C5.0 Classifier, it evaluates your DTI and financial profile to deliver an instant eligibility result — no credit pull, no commitment.

Start Free Assessment How It Works

10K+ Assessments

94% Accuracy Rate

4 min Avg. Completion

Free No Hidden Fees

Qualification Result

✓ Qualified

Gross Income

DTI Ratio

Employment

Max Loanable Amount

₱ 2,400,000

Assessment Overview

~ Conditional

DTI Ratio

Employment

Approvals

Similarity Score

0.74 / 1.00

Available Models

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Qualification Outcomes

What Your Result Means

Our DTI-based engine classifies your application into one of three outcomes.

DTI ≤ 30%

Fully Qualified

Your debt-to-income ratio is ideal. Lenders are highly likely to approve.

Strong income-to-debt position
Meets standard lender thresholds
Proceed to formal application

Most Common

DTI 30–42%

Conditionally Qualified

Your ratio is elevated but manageable with compensating factors.

Borderline DTI range
Debt reduction recommended
Agent review suggested

DTI > 42%

Not Qualified

Your debt load exceeds safe lending limits. Improvement plan needed.

DTI exceeds lender limits
Income increase may help
Reassess in 6–12 months

Simple Process

How Qualihome Works

Four quick steps, instant result — no credit check, no commitment.

Create Account

Enter Details

4 short steps: income, debts, and goals.

DTI Calculated

Real-time debt-to-income computation.

Get Result

Instant qualification report with next steps.

Under 60 Seconds

No Credit Pull

Live DTI Meter

Agent Review

Annregar Realty & Development Corp.

About Annregar Realty

Delivering excellence in every aspect of real estate transactions through integrity, expertise, passion, and hard work — making homeownership a reality for every client we serve.

Our Mission

To deliver excellence in every aspect of real estate transactions. We aim to achieve excellence, integrity, expertise, and hard work for our clients — delivering the best and quality service in everything we do.

Our Vision

To adapt and evolve to continue offering beyond-expectation service and results through initiative, respect, transparency, integrity, and passion to our Sellers, Business Partners, and Buyers.

Our Core Values

Integrity

We promise a relationship characterized by honesty, transparency, and sincerity in all our transactions.

Professionalism

We are responsive, dedicated, and always maintain the highest quality standard in all areas of our service.

Passion

A fully committed, customer-oriented team with a passion for maintaining our reputation in every transaction.

The People Behind It

President

ANNREGAR REALTY PRESIDENT / CEO

Annregar Realty is founded by Angeline R. Gardiola, President/CEO and Licensed Real Estate Broker of Annregar Realty & Development Corp. With a deep commitment to excellence and years of industry experience, she leads the company's mission to deliver beyond-expectation service and results in every real estate transaction.

Our Story in Photos