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 ![Zeitro](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_969e60f467c1bf792c8a9e7b13c3303d/zeitro.png "Zeitro")
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# Zeitro Discussions

Zeitro is an AI mortgage workstation for loan officers, brokers, wholesale lenders and lenders. Instead of stitching together four or five tools, teams capture leads, take applications, manage their pipeline, price loans and check guidelines in one platform. When a file is ready, it goes to the team's LOS as FNM 3.4 or straight into Encompass; disclosures, automated underwriting and closing stay in that LOS. Zeitro Strata: describe a borrower scenario in plain English and get the programs that fit, with the agency or investor guideline passage cited. It covers 2,000+ programs from 100+ investors across agency and non-QM lending, and companies can have it answer from their own programs and overlays. Pricing Engine: conventional, government, jumbo and non-QM (bank statement, DSCR, asset utilization, ITIN, foreign national), HELOC and second liens from 50+ lenders in one search, with programs sorted into eligible and ineligible and the reasons shown. Teams add their own lenders, overlays and compensation. Digital point of sale: a one-page AI application that builds the loan from the borrower's documents and syncs it to the platforms you use, including Encompass, or a guided Digital 1003 with multiple co-borrowers. AI reads borrower documents and pre-fills the 1003 for the loan officer to confirm. Pipeline and loan files: loan stages, automatic document requests and reminders, multi-borrower DTI and income calculation including self-employed income, credit ordered with the team's own credit vendor account, branded pre-approval letters, MISMO 3.4 import and FNM 3.4 export. GrowthHub: a loan officer profile on BlueRate.ai, a personal website, OpenHouse Finder and website widgets for live rates and calculators. Leads land in the Zeitro pipeline. Integrations include Encompass, Lodestar, Nylas and credit vendors including Xactus, Credit Technology, KCB Credit and Advantage Credit. Zeitro is SOC 2 audited, and the report is available under NDA. Loan officers can create a free account; paid plans for teams are priced on request.

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