Which AI tools for mortgage pros have a free plan?

Eleven tools in this directory post a free plan or free account, as distinct from a free trial that ends. They range from a free CRM (Viato) and a free guideline assistant (Guideline Buddy, Premium $12/mo) to voice platforms with no platform fee (Bland, $0 platform fee + $0.14/minute) and a free lead-page builder (rebel iQ AI, Starter $29/mo). Every plan below was read on the vendor's own site on October 31, 2026.

Free plans with posted paid tiers

• Viato: free-forever mortgage CRM with Voice AI agents and Call Intelligence; usage on prepaid tokens at about $0.0255/call minute and $0.03/text segment; Support $49/mo per loan officer; Viato Phone line $97/mo. Two-way sync with Arive and LendingPad. Posts AES-256 at rest and a statement that it does not train models on borrower data; no TCPA statement.
• Pitchit: free plan to build and test AI receptionist and speed-to-lead agents, then Starter $149/mo for 400 conversations, Growth $349/mo and Pro $599/mo. Posts SOC 2 Type II and a TCPA-compliant outreach statement.
• ElevenAgents: free plan with 15 minutes, then Starter $6/mo (75 min), Creator $22/mo, Pro $99/mo, Scale $299/mo and Business $990/mo, with LLM and telephony at cost. The buyer builds the agent on the platform.
• Guideline Buddy: free plan of 20 single-guideline and 5 multi-guideline chats a month; Premium $12/mo or $144/yr for unlimited prompts. Privacy policy describes model training on uploaded content with an opt-out by request; no SOC 2 statement is posted, so ask before uploading borrower files.
• rebel iQ AI: free Launch plan with one AI-written landing page, two forms and one calculator; Starter $29/mo after a 14-day trial; Pro $59/mo marked Coming Soon. Posts a TCPA statement for its communication tools.

Free accounts with quote-based paid plans

• Zeitro: free account includes the Strata guideline assistant, a pricing engine and an AI Digital 1003; paid and Company plans by quote. Files go out as FNM 3.4 or into Encompass. Posts a SOC 2 audit.
• Experience.com: free profile for a loan officer's reviews and Search Rank Score; paid plans by quote. Posts SOC 2 Type II and ISO 27001:2022.
• Lender Price: the Broker & Lender Marketplace is posted as free for wholesale brokers who upload their rate sheets; the Enterprise PPE with AILA is by quote. Whether AILA's guidance reaches Marketplace brokers is not stated, so ask.

Free platform, pay for usage

• Bland: Start plan with $0 platform fee + $0.14/minute, Build $299/mo + $0.12/minute, telephony billed separately. Posts SOC 2 Type II, ISO 27001 and HIPAA; no TCPA statement.
• Retell AI: 60 free minutes, then $0.07–$0.31/minute pay as you go. Posts HIPAA documentation and an ISO/IEC 27001 badge; SOC 2 and TCPA are not stated in the page text.
• Evocalize: free to start with no platform fee for individual LOs; the cost is the media budget, typically $49–$499/mo. Every program is generated with the LO's NMLS ID and disclosures, and the vendor states the platform is built for RESPA, TCPA and the FCC's lead-generation rules.

Free plan versus free trial

A free plan stays free with a capped allowance; a free trial expires. Trials in the directory include 7 days at Dialzara (plans from $29/mo) and Ringlyn ($49/mo), and 14 days at Callingly ($100/mo), Agent Legend ($199/mo + $299 activation) and Sendible ($169/mo annual). LoanOfficer.ai posts a 14-day $1 trial before its $197/mo plan.

Independent loan officers paying for their own stack can see more tools that name the segment on the independent loan officers page.

Quick answers

Is there a free mortgage CRM with AI?

Viato posts a free-forever plan with Voice AI agents; calls and texts run on prepaid tokens at about $0.03/text segment, and a dedicated phone line is $97/mo.

Which free plan includes an AI receptionist?

Pitchit posts a free plan for building and testing agents before its $149/mo Starter tier, and ElevenAgents posts a free plan with 15 minutes before Starter at $6/mo.

Is there a free AI guideline assistant?

Guideline Buddy posts a free plan of 20 single-guideline and 5 multi-guideline chats a month, with Premium at $12/mo, and Zeitro includes its Strata guideline assistant in a free account.

Do the free plans post a TCPA statement?

Pitchit ($149/mo Starter), rebel iQ AI ($29/mo Starter) and Evocalize post TCPA statements. Viato, Bland ($0 platform fee + $0.14/minute), Retell AI and ElevenAgents post security statements without a TCPA statement, so ask before texting or calling campaigns.

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