cal

Built for independent mortgage originators

YOU built yourMortgage Business.

Now give it an edge.

Cited answers. More ways through a file.
Your next move, in one place.

Try Cal for 7 days Explore the tools

7 days free. No credit card required.
Subscribe for $99/month to continue after your trial.

Your business.
Your brand. Your Cal.

You win on relationships, resourcefulness, and knowing the file.
Cal puts mortgage research and scenario tools behind that expertise.

Powered by Cal.

Built for the independent

Your relationships.
More behind every answer.

Your relationships drive the business. Cal brings cited research, lender fit, and scenario math to the file.

Mortgage context, from the start.

Lender guidelines, program requirements, and citations you can inspect. Start with your file question.

More paths to explore.

Check lender fit, down payment assistance, and scenario numbers together. Find the next path through a difficult file.

Your judgment stays central.

Prepare, check, and explain your next move under your own brand. You own the client conversation and the decision.

01 / Your working edge

Less searching.
More moving forward.

Find the answer. Check the options. Move the file forward.

Ask CalLive

The answer.
And where it came from.

Ask a mortgage question in plain language. Cal brings back the guideline, the section, and the source so you can check the answer yourself.

Ask Cal
A question to bring to Cal

“My borrower is keeping their current home. What changes for the next purchase?”

Your scenario. Cited guidance. Your judgment.
Fit + Deal SaverLive

Find another
way through.

Explore lender fit and possible paths when a file does not fit the first answer. Keep the lender’s requirements in view.

Explore a scenario
DPA + OptionsLive

See more
possibilities.

Find down payment assistance programs and work through mortgage options. Check program eligibility and current terms before advising a borrower.

Explore down payment help
Condo + ValueGuardLive

Look closer.
Move with context.

Work through condo questions and valuation evidence with tools built around the details that can hold a file up.

Open the workspace
Pricing + MarketBeta

Put the numbers
in perspective.

Explore pricing and market context with visible timestamps and source labels. Beta tools are still being tuned. Pricing is not a lock commitment.

Explore the workspace

Coming soon

A new era of
loan origination.

AI agents and connected systems, built to move the file from lead to clear to close under your direction.

01 / OriginateComing soon

Loan Officer
Assistant Agent

Planned to organize borrower questions, prepare follow-ups, and surface the next step so you can focus on the relationship.

Get updates
02 / ProcessComing soon

Processor
AI Agent

Planned to organize documents, track conditions, and flag missing items as you move the loan toward clear to close.

Get updates
03 / ConnectComing soon

LOS + CRM
integrations

Planned connections between your relationships, loan files, and AI agents. One workflow from first conversation to funded loan.

Get updates

In development. These capabilities are not yet available.

Inside Cal

Your workspace.
Your next move.

Explore the workspace and tools. Pipeline coming soon.

Cal workspace showing Ask Cal, calculators, contacts, market navigation, and saved research.
Your working day, in one place. Start a question, return to your research, and move into the tool the file needs. View full screenshot ↗
DSCR calculator showing a 1.20 ratio from $3,000 monthly rent and a $2,500 housing payment, with assumptions and next actions.
The math, with the next step attached. See the DSCR result, its assumptions, and the next question to bring to Cal.

02 / Show the work

Confidence needs
something behind it.

Your reputation is on the file. You should be able to inspect what informs the answer.

See the live scoreboard
01

Sources you can check.

Follow citations back to the guideline. Check its date, applicability, and lender overlays.

02

A record you can read.

See the published evaluation results, including the misses. The current record lives on the scoreboard.

03

You make the call.

Cal supports your work. It does not issue approvals or replace underwriting, compliance, or your professional judgment.

03 / Make it yours

Cal Core.
Your everyday edge.

Cited research. Lender fit. Scenario tools.
Built for one independent loan officer.

$99 / LO / month

7-day trial. Monthly billing.

Start your signup

No credit card required. Your 7 days start at your first verified sign-in. Access pauses after the trial unless you subscribe for $99/month. Trial access excludes tools that store client details.

Plan details and what’s next

Existing $79/month and agreed annual commitments remain protected under their terms. Growth ($229/LO/month) and Operate ($329/LO/month) are coming soon and are not available for purchase.

Your next move

Your next file.
A different starting point.

Start your signup. We’ll email your next step automatically. No manual approval for eligible new accounts.

Verify your account and sign in to start your 7-day trial. No credit card required. After 7 days, tool access pauses until you add a card through Stripe and subscribe to Core for $99/month. You are only charged when you choose to subscribe.

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