Relied on by lenders for years. Proven, not a pilot.
25+
Industry experts
Each with 25+ years in the field, behind every answer.
25,000+
Questions answered
Lender questions, answered by experts, built into our AI.
Daily
Guideline updates
Agency and investor sites checked daily.
WHY LENDERS USE IT
Make confident lending decisions.
Get loan-specific answers across Fannie Mae, Freddie Mac, FHA, VA, USDA, and investor guidelines, with citations you can share with underwriting.
Works with your LOS
Pulls details from your Encompass or MeridianLink Mortgage loan file to fit each response to the loan.
A deeper database
Agency handbooks plus our knowledge base of announcements, charts, checklists, and articles.
Answers in seconds
No more searching handbooks or waiting on email replies.
Built-in citations
Every answer points to its source so your team can verify it at a glance.
WHY GUIDELINE NAVIGATOR
AI you can actually trust.
An AI built on agency manuals alone gets it wrong. Handbooks leave gaps, go out of date, and don’t speak the industry’s language. Four things make these answers different.
01
The database underneath
Agency and investor guidelines, plus expert-built charts, checklists, and learning resources developed over nearly 15 years.
02
Checked against every update
Bulletins, circulars, and mortgagee letters are read alongside the handbooks, so answers reflect the most current rule.
03
Humans in the loop
Industry experts review answers every day and keep adding charts, checklists, and articles where the AI needs more depth, so answers keep getting better for everyone.
04
Ask the Experts
Underwriters with 25+ years of experience answer the tough ones in writing, typically within 4 to 6 hours. Every answer goes back into the AI.
HOW IT WORKS
Built into your LOS.
Launch Open Guideline Navigator from the loan file in Encompass or MeridianLink Mortgage.
Loaded Your loan's program, purpose, occupancy, property type, state, and application date are already there. No retyping the scenario.
Narrow Pick agency, correspondent, or broker guidelines and overlays.
Ask Type your question and get a fully sourced answer.
ASK IT ANYTHING
Ask it your way. No prompts needed.
Most guideline AI tools only work if you ask the perfect question. Guideline Navigator was built from more than 25,000 real scenario questions asked of our experts, so you can describe the loan the way you’d tell a colleague.
My borrower is buying a 3-unit and will live in one of the units. Can we use the rent from the other two to qualify?
She’s relocating more than 100 miles for a new job and wants to keep her current home as a rental. Can we count that rent?
He’s been self-employed for 18 months, but did the same work on a W-2 for five years before that. Is that enough?
FULLY SOURCED
Click any citation to see the source.
Every answer links to the handbook section, bulletin, or investor guide it came from. Copy the answer into the loan file to document your decision.
My borrower is buying a 3-unit and will live in one of the units. Can we use the rent from the other two to qualify?
Yes. FHA allows rental income from the other units of an owner-occupied 2–4 unit property, generally 75% of the lesser of the appraiser’s fair market rent or the lease rent [1]. On a 3- or 4-unit property, the loan must also pass the self-sufficiency test [2]. Your investor may add overlays [3].
FHA Single Family Housing Policy Handbook 4000.1
Rental income from the subject property
[1] Summary: rent from the units the borrower won’t occupy may count as effective income on a 2–4 unit property. 3–4 unit properties must also pass the self-sufficiency test.
WHAT’S INSIDE
Every guideline and resource your team needs, in one place.
AGENCY
Fannie Mae, Freddie Mac, FHA, VA, and USDA
CORRESPONDENT
Your investors’ guidelines and overlays
BROKER
Broker guidelines
PLUS THE FULL RESOURCE LIBRARY
Charts, Checklists & Old-vs-New Change Charts
Income Analyzers & Calculators
Investor, DPA, and MI Guidelines
Monthly Rules & Q&A Issues
Agency Bulletins, Forms & Guidance
Rule Change Calendar
Learning Resources & Online Training
Lunch & Learn Presentations
Talking Points & Social Media Posts
Ask the Experts
WHO IT HELPS
Value for every seat at the table.
From the first borrower call to final sign-off, every role on your team gets faster, clearer answers. Pick a role to see what changes and where the savings start.
Answers on this loan. Ask from inside the file and get guidance tailored to its details.
✓
A human when you need one. Send unusual scenarios to Ask the Experts.
WHERE THE RETURN COMES FROM
No context-switching. Answers live inside Encompass and MeridianLink, right in the loan file.
Faster turn times. Fewer suspended files, condition loops and escalations.
Faster onboarding and training. New LOs, processors and underwriters self-serve answers and learning resources.
WHAT CHANGES
✓
An AI is only as good as its database. Ours pairs the Fannie Mae, Freddie Mac, FHA, VA and USDA handbooks with announcements, charts, checklists, Rules Issue and Q&A Issue articles, and learning resources.
✓
Always filling the gaps. We continually add content where the AI needs more knowledge.
WHERE THE RETURN COMES FROM
Less senior underwriter time. The AI and Ask the Experts field repeat questions, so fewer escalate.
Fewer defects and buyback exposure. Cited answers help prevent the guideline misreads behind loan defects, buybacks and post-closing conditions.
An audit trail for QC. Cited answers show which guideline an answer relied on.
WHAT CHANGES
✓
Agency changes, already broken down. Old-vs-new charts and Rules Issue breakdowns show exactly what moved.
✓
Spend time deciding, not decoding. Announcements arrive broken down, so your team focuses on internal policy and risk appetite.
WHERE THE RETURN COMES FROM
No building your own charts. Guideline comparisons and old-vs-new charts are developed and kept current for you.
Credit policy gets its time back. Agency announcements arrive broken down, so your team just decides internal policy and risk appetite.
Stays current automatically. No staff time spent monitoring agency and investor sites for changes.
WHAT CHANGES
✓
Fewer escalations, faster files. Questions get answered at the desk instead of moving up the chain.
✓
Replace tools, don’t add one. With the white label add-on, a custom-branded site can retire SharePoint or your intranet.
WHERE THE RETURN COMES FROM
No maintaining your own investors. A job that generally takes a full-time employee. All investors in the library stay current.
Consolidate tools. Fewer separate guideline subscriptions and libraries, and no separate intranet hosting.
Consistent answers everywhere. Every branch and team works from the same cited guidance.
THE DIFFERENCE
Guideline Navigator vs. typical guideline AI tools.
CAPABILITY
Works inside Encompass and MeridianLink, tailored to the loan file
Original content: charts, checklists, Rules Issue and Q&A Issue articles
Knowledge base continually expanded to fill AI gaps
Checks bulletins, circulars, and mortgagee letters against the handbooks
Old-vs-new agency change charts
Investor guidelines maintained for you
Custom-branded site that can replace SharePoint or your intranet
Ask the Experts, staffed by underwriters with 25+ years of experience
GUIDELINE NAVIGATOR
✔
✔
✔
✔
✔
✔
✔
✔
TYPICAL GUIDELINE AI TOOLS
No LOS integration
AI only, no original content
AI only
Handbook text only
Not offered
You maintain your own investor buckets
Not offered
Not offered
PRICING
One seat or your whole shop.
A real efficiency boost with tools your staff will want to use. Clear, measurable ROI, with no fuzzy math and no inflated claims.
PER SEAT
From $35.95 per seat /month
PLAN
SEATS
PER SEAT / MONTH
Individual
1
$49.95
Small Team
3 to 25
$39.95
Enterprise
26 to 250
$35.95
Custom
More than 250
Custom quote
Your total seat count sets the rate for all of your seats, and adjusts automatically when you move into a new tier. Includes agency and investor guidelines, Ask the Experts, and the full resource library.
.png)