Pricing
Request access and Chris approves it the same business day. Your trial runs 7 days from your first sign-in: 40 cited questions a day and every tool except the ones that keep client details, no card. After that it is Cal at $79 a month, or nothing. Bring the hard file: the suspense letter, the competing Loan Estimate, the condo nobody checked.
Trial
No card. Not a plan.
The only free way in for a loan officer. Request access, Chris approves it the same business day, and the clock starts at your first sign-in.
Request access■ Cal · one plan
Cancel any month.
For the independent LO who would rather save one file a year than argue with a lender portal. Every tool, one price.
Founding price. Start a trial by November 20, 2026 and keep $79 a month for 12 months.
The October 1 price change
Homebuyers and real estate agents use Cal at no cost. Loan officers pay, and their plans carry the agents they work with. List prices rose on October 1, 2026. Anyone subscribed before then keeps their price for 12 months.
| Before October 1 | Now | |
|---|---|---|
| Loan officers | $49 a month | $79 a month, one plan |
| Homebuyers and agents | $0 | $0, always |
The arithmetic
The average first mortgage balance was $387,881 in the first quarter of 2026. At 100 basis points, one closed loan is roughly $3,879 of gross commission. So the only question worth asking is how much of a loan the plan costs you a year.
loans a year to break even on Cal. One save every four years and it has paid for itself.
cited questions a day in the trial, no daily cap on Cal.
days on the trial, no card, to find the file that pays for it.
Loan balance from the Mortgage Bankers Association, first quarter 2026. Commission at 100 basis points sits at the low end of the 75 to 150 range typical in the broker channel. Your numbers are your own.
Pay for one thing
Some of this you need twice a year, not twice a week. These are arranged one at a time by email at chris@askcal.io, not on a card.
$99 per letter
The appraisal came in light. You get a reconsideration of value packet with the comps, the adjustments, and the agency language that supports the ask, cited and ready to send.
$12 per report
A defensible value with a floor, a market number, and a highest defensible ceiling, each rung labelled with what carries it. It is an AI-generated opinion of value, not an appraisal.
No charge to the agent
Your agent gets affordability, assistance eligibility and a valuation they can hand a seller. Agents join through a loan officer's plan and never see a bill.
Line by line
| Trial, 7 days | Cal, $79 a month | |
|---|---|---|
| Answers | ||
| Cited guideline questions | 40 a day | No daily cap |
| Source and effective date on every answer | Yes | Yes |
| Underwriter pushback verdict | Yes | Yes |
| When a file is at risk | ||
| Deal Saver, suspense and denial rescue | Yes | Yes |
| LE Compare | Yes | Yes |
| AUS Reader and Condo Check | Yes | Yes |
| Options, top three lenders with the math | Yes | Yes |
| Your library | ||
| Lender search across your panel | Yes | Yes |
| Assistance program search | Yes | Yes |
| Who else sees it | ||
| Borrower surface | Yes | Yes |
| Realtor surface, free to your agents | Yes | Yes |
Before you ask
No. There is one plan, and a 7-day trial before it. Request access, Chris approves it the same business day, and you get 40 cited questions a day and every tool except the ones that keep client details, with no card. The clock starts at your first sign-in. After that you start Cal or it stops.
Start a trial by November 20, 2026 and keep $79 a month for 12 months, even if the list price rises.
No. Cal gives you the citation and the section so you can make the call. You are the licensed originator. Cal is the colleague who already read the handbook.
No. A loan officer pays Cal for software. Agent access is never conditioned on sending business to anyone, and no one is paid for a referral.
Any month, from inside your account, no call and no retention script. The period you paid for runs out and that is the end of it.
It stays yours. Email chris@askcal.io and you get your lender panel and saved answers back as files. Your lender panel is your lender panel.
No. The affordability calculator does not even hold a database connection, so visitor numbers cannot be stored. That is a design decision, not a policy promise.
Yes. Each loan officer requests access and gets their own 7-day trial. For a branch, email Chris and he will set the trials up together.