Which AI assistants answer mortgage guideline questions, and what do they cost?

Seven tools in the directory answer underwriting-guideline questions with AI, read on the vendor's own site on October 31, 2026. Two are standalone chat assistants with posted prices: Guideline Buddy, with a free plan and a Premium plan at $12/mo or $144/yr, and Mortgage Guidelines AI at $49/mo for one user or $33/user/mo for teams. Zeitro bundles its Strata guideline assistant into a free account. The other four, Lender Price AILA, ICE Aurora inside Encompass, Indecomm DecisionGenius and SOLO by Tidalwave, are guideline features inside larger platforms priced by quote. Here is each one with its price, its sources and what it posts on data handling.

Standalone guideline chat with a posted price

• Guideline Buddy: free plan (20 single-guideline and 5 multi-guideline chats a month, no card); Premium $12/mo or $144/yr for unlimited prompts on all guidelines; Company plan quoted for brokers, lenders and investors. AI-Powered Guideline Search answers in plain language with links to the source guideline, in English and Spanish, and Cross-Program Scenario Comparison checks one scenario against Fannie, Freddie, FHA, VA, USDA and Non-QM. Names no integrations. The privacy policy describes commercially reasonable safeguards, US data storage and model training on uploaded content with an opt-out by request; no SOC 2 or encryption statement is posted, so ask before you upload borrower files.
• Mortgage Guidelines AI: $49/mo (1 user); $125/quarter; $440/yr; Team $33/user/mo (3-250 users); no free trial. Formerly Mortgage Currentcy, it bundles the AI chat with a live scenario desk, charts, income calculators and monthly rule updates. The assistant draws on agency guidelines, bulletins and proprietary training data, never the open internet, and links every answer to the source section. Names no integrations. No data-handling or security standard is posted, so ask before you buy.

Guideline answers inside a pricing engine

• Zeitro: free account (Strata, Pricing Engine, Digital 1003); paid plans priced by quote. Strata returns cited guideline and scenario answers across 100+ lenders' documents. Names Encompass. Posts a SOC 2 audit on every plan and encryption of data in transit.
• Lender Price: Broker & Lender Marketplace free for wholesale brokers; Enterprise PPE and AILA priced by quote. AILA (Artificial Intelligence Loan Assistant) answers guideline and eligibility questions; whether it reaches Marketplace brokers is not stated on the site, so ask when you sign up. Posts SOC 2 Type II.

Guideline lookups inside the LOS and the underwriting platform

• Encompass: priced by quote. ICE Aurora includes compliance and investor guideline lookups alongside borrower and lender chat agents and document classification, drawing on Encompass data. ICE posts SOC 1 and SOC 2 reports through its security center.
• Indecomm DecisionGenius: priced by quote. Glass Box decisioning traces each condition to the guideline, data point and source document it came from. Names Encompass and MeridianLink Mortgage. No SOC 2 or borrower-data statement is posted, so ask for the security package in the demo.
• SOLO by Tidalwave: priced by quote, volume-based. The SOLO AI loan assistant runs file checks, Condition Mapping and Instant Answers at the point of sale, with every answer logged in an audit trail. Names Encompass and Calyx Path. Posts SOC 2 Type II.

Where the answers come from

Guideline Buddy and Mortgage Guidelines AI answer from agency guides and bulletins and link each answer to its source section. Zeitro Strata cites across 100+ lenders' documents. The quote-based platforms answer from the lender's own rules and the file in front of them.

The compliance line

Zeitro, Lender Price, Encompass and SOLO by Tidalwave post a SOC 2 statement. Guideline Buddy, Mortgage Guidelines AI and Indecomm DecisionGenius post no security standard, so ask before you buy, and before you paste a borrower's details into a chat.

Quick answers

Is there a free AI guideline assistant for loan officers?

Yes. Guideline Buddy posts a free plan with 20 single-guideline and 5 multi-guideline chats a month, and Zeitro includes its Strata guideline assistant in a free account.

What does an unlimited guideline chat cost?

Guideline Buddy Premium is $12/mo or $144/yr for unlimited prompts; Mortgage Guidelines AI is $49/mo for one user, $125/quarter or $440/yr, with Team pricing at $33/user/mo for 3-250 users.

Does Encompass answer guideline questions?

Encompass ships ICE Aurora, which includes compliance and investor guideline lookups, priced by quote; the site does not state whether Aurora is included for Encompass for Brokers.

Which guideline assistants post a data-handling statement?

Zeitro posts a SOC 2 audit, Lender Price SOC 2 Type II and SOLO by Tidalwave SOC 2 Type II. Guideline Buddy posts a privacy policy that allows model training on uploaded content unless you opt out; Mortgage Guidelines AI posts no statement.

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