Intelligence for
modern mortgage.
The most innovative mortgage brokers and loan officers trust Zeitro with their most critical work.
See the product
Get a cited answer to any loan scenario.
Type the scenario the way you would ask your scenario desk. Zeitro Strata searches agency and non-QM guidelines and opens the one it used right next to the answer.
Quote any scenario in seconds.
Conventional, non-QM, and private lending rates in one search, with your own investors and margins built in.
AI fills in the 1003 with FNM 3.4 export
The one-page AI application asks a few questions and reads what the borrower uploads. Borrowers who prefer the guided Digital 1003 can use that instead.
Borrowers looking for a loan officer find you.
Your BlueRate.ai profile puts you in front of borrowers who are actively looking for a loan officer. You decide what it shows, and every inquiry goes straight to you.
Mortgage, rebuilt with AI. For good.
Zeitro is a mortgage technology company built on AI. We make the tools for lead generation, guideline search, pricing (PPE), point of sale (POS), digital 1003 intake and FNM 3.4 generation, so loan officers close more loans with less data entry. Together they make one all-in-one AI mortgage workstation, and the finished file goes to your LOS as FNM 3.4 or straight into Encompass.
More about us
Built for brokers, lenders and wholesalers.
Pick your channel to see what it includes.
The AI point of sale
One POS to check a scenario, price the loan, take the application, and bring in new borrowers.
- Zeitro Strata
- Pricing Engine
- Digital 1003 with FNM 3.4 export
- One-page AI application
- GrowthHub with BlueRate.ai
Program listing for brokers
Put your programs and pricing where brokers already search, and let Zeitro Strata answer their guideline questions.
- Program and rate listing
- AI guideline lookup for your AEs or your brokers
- Broker activity reporting
AI on your guidelines and rates
Load your guidelines and rate sheets, and run Zeitro for your loan officers under your brand.
- Your guidelines and rates, for internal use
- One-page AI application
- A BlueRate.ai page for each loan officer
- Modular and white label
One POS with exactly what a loan officer needs.
From the first lead to the finished 1003, without switching tools.
Bring in more borrowers
A personal website, a BlueRate.ai profile, and marketing AI send inquiries straight to you.
Explore GrowthHubAnswer any guideline question
Ask about any scenario and get the answer in seconds, with the guideline open beside it.
Explore Zeitro StrataPrice any loan in one search
Eligible programs from your lenders, side by side with rate, price, and closing cost.
Explore the Pricing EngineLet AI build the 1003
Borrowers upload their documents once. AI reads and verifies them, then builds the 1003.
Explore the Digital 1003
Zeitro Strata is the engine behind every Zeitro product.
It is trained on more than 2,000 mortgage underwriting programs from over 100 investors.
Ask Zeitro StrataWhen you ask it
In the Pricing Engine
In the Digital 1003
In GrowthHub
On your guidelines
Why we started Zeitro.
A home is the biggest purchase most families ever make. The loan officers who get them there spend too much of the day on guidelines, data entry, and paperwork.
We started Zeitro to take that work off their desks. Our mission is to make getting a mortgage faster and less stressful, for the people who do the work and for the families they serve.
Technology should make life better.
We build AI that assists loan officers and makes every loan officer superhuman.
Partners for the long run.
We focus on delivering real value, and we win customers by making them successful.
Results from teams running on Zeitro.
Serenity Home Loans · Independent broker
Borrower information captured at application rose from 60% to 90% with the Digital 1003.
GMCC · Mortgage lender
Loan officer training time dropped by 90%, from three months to one week.
Mega Capital Funding · Wholesale lender
Zeitro Strata handles pre-underwriting eligibility reviews and program matching.
“Zeitro is a must-have software. The only survivors in this market will be the leanest, most efficient, technology-driven players.”
Frequently asked questions
Short answers about Zeitro, Zeitro Strata, and how the plans work.
Ask us something elseZeitro is an AI mortgage company. It builds software for loan officers and brokers, wholesalers and TPOs, and lenders and financial institutions. For loan officers, Zeitro is a point of sale that combines Zeitro Strata, a pricing engine, the Digital 1003, and GrowthHub with BlueRate.ai.
Zeitro Strata is Zeitro's AI for mortgage guidelines. Describe a borrower scenario in plain language and it returns the programs that fit, with the guideline it used cited next to the answer. It covers agency and non-QM lending and is trained on more than 2,000 underwriting programs from over 100 mortgage investors.
Independent mortgage brokers and loan officers, wholesale lenders and TPOs, and lenders and financial institutions. More than 1,200 mortgage firms run on Zeitro. Customers with published case studies include Serenity Home Loans, GMCC, and Mega Capital Funding.
Your applications, pipeline and loan files live in Zeitro. It builds the 1003, then exports FNM 3.4 or sends the finished file to Encompass or the LOS you already use.
Every loan officer gets a profile on BlueRate.ai, where borrowers look for a loan officer, plus a personal website. You decide what your profile shows, and every inquiry goes straight to you.
Yes. Lenders load their own guidelines and rates for internal use and can run Zeitro under their own brand. Wholesalers and TPOs list their programs and rates in the Pricing Engine, and Zeitro Strata answers guideline questions for their AEs and brokers.
Yes. Zeitro is SOC 2 Type II audited, and that applies to every plan. Company plans add single sign-on.
Run your next loan on Zeitro.
Create a free account and try Zeitro Strata, the Pricing Engine, and the Digital 1003 today. If you get stuck, we'll walk you through it.