AI fills in the 1003, with FNM 3.4 export.
The one-page AI application builds the loan from the borrower's documents and syncs it to the platforms you use, including Encompass. Borrowers who prefer the guided Digital 1003 can use that instead.
Mortgage point of sale software for brokers
The Digital 1003 is Zeitro's mortgage point of sale for brokers and loan officers. Borrowers apply on any device, through the one-page AI application that builds the loan from their documents or through the guided 1003, and you get one loan file with DTI, credit and documents in it. When it is ready, export FNM 3.4 for LendingPad, Encompass or another LOS, or send the one-page application straight to Encompass.
Two ways to apply, one finished file.
The one-page AI application takes a few answers and the borrower's documents, and builds the 1003 from them. Borrowers who prefer to walk through the form use the guided Digital 1003, section by section, on any device.
- One-page AI application for borrowers in a hurry
- Guided Digital 1003 for borrowers who want to see every section
- Both land in the same loan file in your POS
From documents to your LOS
No retyping between the borrower, the 1003 and the system you close in.
The borrower uploads documents
Pay stubs, W-2s, bank statements and tax returns, from a phone or a laptop.
AI reads and checks them
Income, assets and liabilities are read from the documents, matched to the borrower and reconciled where they disagree.
The 1003 is built
The application is filled in and waiting in your POS, with DTI one click away.
You export or push
Export FNM 3.4, or send the finished file straight to Encompass.
Key features
Self-service pre-qualification
Borrowers pre-qualify themselves online, from your BlueRate.ai page or your own website, and the file is already started when you see it.
Automated DTI calculation
Debt-to-income is calculated from the 1003 the borrower's documents filled in, so the pre-qualification starts from real numbers.
FNM 3.4 export
Export the application as FNM 3.4, so the file opens in LendingPad, Encompass and other LOSs.
Push to Encompass
Send the finished one-page application to Encompass without re-entering a field.
Soft and hard credit pull
Run credit inside the application and give a solid pre-approval the same day.
Serenity Home Loans
Independent mortgage broker. The Digital 1003 replaced an application taken by phone and email.
Read the customer story“The only survivors in this market will be the leanest, most efficient, technology-driven players.”
The Digital 1003 at a glance
| Feature | What it does |
|---|---|
| One-page AI application | Takes a few answers and the borrower's documents, and builds the loan from them. |
| Guided Digital 1003 | The full Uniform Residential Loan Application, section by section, with co-borrowers, on any device. |
| AI document reading | Reads pay stubs, W-2s, bank statements and tax returns, and pre-fills the 1003 for you to confirm. |
| Borrower portal | Borrowers upload documents, see what is still needed and follow their loan. |
| Document requests | Automatic document requests and reminders. |
| DTI and income | DTI for every borrower, calculated from the 1003, and income calculation that covers self-employed borrowers. |
| Credit | Soft and hard credit pulls inside Zeitro, with your own credit vendor account. |
| Pre-qualification and pre-approval | Self-service pre-qualification, and pre-approval letters with your company brand. |
| FNM 3.4 export | Opens in LendingPad, Encompass and other LOSs. |
| Encompass | The finished one-page application goes into Encompass with the borrower's documents attached. |
Frequently asked questions
What is mortgage point of sale software?
It is the part of the loan the borrower touches: the online application, document upload and loan status, plus what the loan officer needs to turn them into a complete file. In Zeitro that is the Digital 1003 and the one-page AI application, and the file goes to your LOS as FNM 3.4 or into Encompass.
What do borrowers need to apply?
A phone or a computer, and the documents they already have: pay stubs, W-2s or 1099s, bank statements, a driver's license and tax returns. Uploading documents is optional, and the AI application uses them to fill in the 1003.
What exactly is a digital 1003 application?
It is the standard Uniform Residential Loan Application (Fannie Mae Form 1003) turned into an interactive online form. Instead of a static PDF, borrowers move through the questions step by step, and the AI application fills in much of it from their documents.
How does the automated pre-qualification speed up my workflow?
The borrower's income, assets and liabilities are read from the documents they upload and written into the 1003, and the DTI is calculated from it. You see a complete file with the numbers in it, instead of chasing paperwork.
Will this integrate with my current loan origination system (LOS)?
Yes. The application exports as FNM 3.4, which opens in LendingPad, Encompass and other LOSs, and the one-page application can be pushed straight to Encompass.
Is it safe for my clients to submit their financial data online?
Yes. Zeitro is SOC 2 audited, and information is encrypted in transit.
Why do borrowers abandon mortgage applications, and how do you fix it?
Long forms, retyping and documents they cannot find. The one-page AI application asks a few questions, reads the documents the borrower already has, and works on a phone, so most borrowers finish in one sitting.