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Agency guidelines

Ask anything about lending eligibility, and get instant, accurate answers—pulled from FHA, Non-QM, and more.
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GuidelineGPT web interface showing a search bar for guideline questions with selected filters and recent queries list.

GuidelineGPT

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Real-time answers to complex mortgage guidelines.
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Overview

Mortgage guidelines are long, dense, and ever-changing. With GuidelineGPT’s Agency mode, loan officers can get quick, accurate answers—plus view full documents, side-by-side. Whether it’s FHA, VA, Fannie, Freddie, or USDA, you’ll get AI-powered responses with full transparency.
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Key features

Comprehensive answers

Get instant, trustworthy answers from Fannie Mae, Freddie Mac, VA, USDA, FHA, and more—all based on the most current official guidelines.
Diagram showing how rental income helps qualify for a loan by improving DTI ratio.

AI-powered insight

Agency Guidelines uses natural language processing (NLP) to let you ask in plain English and get instant, accurate answers—no keywords or guesswork required.
AI diagram collecting data from people, house, and mail icons to create a structured document.

Flexible for every loan type

Agency Guidelines can be tailored to meet the specific needs of non-QM loans, ensuring compliance with non-traditional lending standards.
Illustration of hand holding Non-QM circle beside Conventional and percentage icons.

Real-time updates

Stay compliant with real-time updates on mortgage guidelines and regulations.
Text explaining when paying off a second trust deed qualifies as rate-and-term refinance.
Diagram showing how rental income helps qualify for a loan by improving DTI ratio. AI diagram collecting data from people, house, and mail icons to create a structured document.Illustration of hand holding Non-QM circle beside Conventional and percentage icons. Text explaining when paying off a second trust deed qualifies as rate-and-term refinance.

Why it matters

Scenario Desk speeds up the guideline lookup process, helping your team qualify more borrowers, faster—especially in fast-paced or Non-QM-heavy shops.
I just tried Zeitro’s Scenario AI, and it’s incredibly easy to use—especially for searching complicated borrower cases. I looked up a scenario where the borrower had no income or business, and the answer I got matched exactly what I learned after a 30-minute conversation with an AE from AAA. It even included a reference paragraph. It’s amazing!”
Gigi Zhang
RateDNA, Mortgage Broker

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