For independent mortgage originators
Research guidelines, explore lender fit and work through scenario math in one workspace.
No credit card required.
Continue with Core for $99/LO/month only if you choose.
See the work
1.20 DSCR
$3,000 ÷ $2,500 = 1.20
Rent is 1.20 times the payment entered. Confirm that the payment includes principal, interest, taxes, insurance and association dues.
Illustrative arithmetic, not a lender eligibility decision. No live analysis is running.
Explore the worked example
Your working edge
Find the answer. Check the options. Move the file forward.
Access: trial + paid Core
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“My borrower is keeping their current home. What changes for the next purchase?”
Your scenario. Cited guidance. Your judgment.Access: trial + paid Core
Explore lender fit and possible paths when a file does not fit the first answer. Keep the lender’s requirements in view.
See Deal SaverDPA: trial + paid Core · Saved options: paid Core
Find down payment assistance programs and work through mortgage options. Check program eligibility and current terms before advising a borrower.
DPA research is in the trial. Saved Loan Options unlock after paid activation.
Explore down payment helpAccess: trial + paid Core
Work through condo questions and valuation evidence with tools built around the details that can hold a file up.
Explore condo reviewAccess: available beta tools in Core
Explore pricing and market context with visible timestamps and source labels. Beta tools are still being tuned. Pricing is not a lock commitment.
Explore pricingEvidence and limits
Your reputation is on the file. You should be able to inspect what informs the answer.
See the evaluation record Read the correctionsFollow citations back to the guideline. Check its date, applicability, and lender overlays.
See the published evaluation results, including the misses. The current record lives on the scoreboard.
Cal supports your work. It does not issue approvals or replace underwriting, compliance, or your professional judgment.
Available today
7 days free from your first verified sign-in. No credit card required. Research, lender fit and scenario tools are ready to try.
$99 / LO / month
Research the guideline, explore lender fit, and work through the numbers in one workspace.
No credit card required. You choose whether to subscribe.
$229 / LO / month
Planned for keeping relationships and follow-through connected to the file.
Planned tier. In development and not available for purchase.
$329 / LO / month
Planned for connecting the work from lead to clear to close, under your direction.
Planned tier. In development and not available for purchase.
Core is monthly for new customers. Access pauses when your trial ends unless you subscribe. Choosing paid Core starts billing immediately at $99/LO/month until canceled. Existing prices and annual agreements keep their terms.
Meet the founder
Chris Black is the founder of Cal, a mortgage technology company focused on independent mortgage professionals. Based in Alamo, California, he also leads marketing and technology at LocalMortgageBroker.com. His work connects mortgage lending experience with practical AI tools and clearer workflows.
Your 7-day Core trial
Enter your email to request your invitation. Then use the sign-in page to request a one-time verification link. Your seven days start when you follow that link and complete your first verified sign-in. No manual approval for eligible new accounts.
Your invitation email points you to sign in. Use the same email on the sign-in page to request a one-time verification link, then follow that link to finish signing in. For eligible new accounts, the first verified sign-in starts your 7-day trial.
If an email does not arrive, check your spam folder. You can request a verification link from the sign-in page or contact Cal for help. Existing accounts keep their current access. Marketing updates are optional and do not affect account access.
Coming soon
AI agents and connected systems, built to move the file from lead to clear to close under your direction.
Planned to organize borrower questions, prepare follow-ups, and surface the next step so you can focus on the relationship.
Get updatesPlanned to organize documents, track conditions, and flag missing items as you move the loan toward clear to close.
Get updatesPlanned connections between your relationships, loan files, and AI agents. One workflow from first conversation to funded loan.
Get updatesIn development. These capabilities are not yet available. Availability and tier packaging will be announced before launch.
