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.
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 any LOS.
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.”
Frequently asked questions
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 any LOS can open, 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 Type II 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.