Cal pricing
Cited mortgage research, lender fit and scenario tools for the independent loan officer.
No credit card required. Your trial starts at your first verified sign-in.
No automatic charge. Subscribe for $99/LO/month only if you choose to continue.
$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. Existing prices and annual agreements stay protected. Growth and Operate are planned tiers, not available for purchase.
What you get with Core
One workspace for the guideline, the possible path and the numbers. Put these tools to work before deciding whether Core earns a place in your day.
Ask a mortgage guideline question in plain language and inspect the cited section. Check the requirement before advising your borrower.
Use lender fit, Deal Saver and DPA research to work through a difficult file and identify the next facts to verify.
Work through payments, income, ratios and DSCR. Compare loan estimates and valuation evidence with the assumptions in view.
Readiness tells you whether a tool is live or beta. Access tells you when you can use it.
| Tools | What they help you do | Readiness | Access |
|---|---|---|---|
| Ask Cal + lender fit | Research guidelines, inspect citations and explore possible lender fit. | Live | Trial + paid Core |
| Deal Saver | Work through a difficult scenario and identify the next facts to verify. | Live | Trial + paid Core |
| Mortgage calculators + DPA | Calculate payments, qualification, income and DSCR; research assistance options. | Calculators: Beta · DPA: Live | Trial + paid Core |
| Condo + AUS Findings | Review condo readiness and understand findings or conditions. | Condo: Live · Findings: Beta | Trial + paid Core |
| Loan Estimate Compare + ValueGuard | Compare loan costs and review valuation evidence. | Live | Trial + paid Core |
| Pricing + Pulse | Review available pricing and market context with source labels and timestamps. | Beta | Available beta access |
| Flyers + social content | Prepare branded marketing drafts for your review. | Beta | Available beta access |
| CRM + Homeowners | Keep relationship details and prepare homeowner reports in the available tools. | Beta | After paid activation |
| Loan Options + packages | Save client scenarios and prepare the next conversation or file package. | Live | After paid activation |
Every tool lists its readiness and access separately.
The trial includes research and scenario tools. CRM, Homeowners, Loan Options and packages unlock after paid activation. Usage limits apply. Beta tools are still being refined; check each tool's current scope. Pricing is not a lock commitment, and Cal does not issue loan approvals.
Make the trial count
Try the work you already need to do. Judge Cal by the sources, the options and the explanation it helps you prepare.
See the published evaluation results See the workspace and a worked calculationAsk about a scenario, then follow the cited source. Verify the requirement and any lender overlays.
Explore possible lender fit or DPA, then calculate payments, income or DSCR with your assumptions visible.
Use the seven days to see where Cal helps your work. No card, no automatic charge, and no subscription unless you choose one.
At your first verified sign-in. No credit card or checkout is needed. Signing in again does not restart your seven days.
Tool access pauses until you add a credit card through Stripe and activate Core for $99 per loan officer per month. Subscribing starts paid access immediately and renews monthly until canceled. If you do not subscribe, you are not charged. Your saved work stays in your account.
Cited guideline questions and available research and scenario tools, within the usage limits shown in the app. Tools that store client details, including CRM, Homeowners, packages, and Loan Options, open after paid activation. Beta and Coming soon labels show current readiness.
Existing prices and agreed annual commitments stay protected under their terms. Sign in to see your own plan and billing options. We do not change your existing subscription when you visit this page.
No. Growth and Operate are in development. The Loan Officer Assistant Agent, Processor AI Agent, and LOS + CRM integrations are also coming soon. Email Chris for updates.
Coming soon
AI agents and LOS + CRM integrations, built around the work from lead to clear to close.
Planned support for borrower questions, follow-ups, and your next action.
Planned support for documents, conditions, and missing items on the path to clear to close.
Planned connections across relationships, loan files, and agents working under your direction.
In development. Availability and tier packaging will be announced before launch; these capabilities are not included as live features today.