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.
Ask it the way you would ask your scenario desk.
No forms, no filters. Describe the borrower and the property in plain language, in any order, and Zeitro Strata works out which programs fit.
- What are the requirements for a warrantable condo?
- Can any DSCR program use the higher of market rent or actual rent?
- What is the maximum DTI for a jumbo loan?
- ¿Puede el crédito del vendedor cubrir la prima única del seguro hipotecario (UFMIP)?
The guideline opens next to the answer.
Every answer links to the passage it came from, in the agency or investor guideline, so you can read it yourself before you quote a borrower or send a file to underwriting.
Browse 50 answered scenarios
DeepSearch or Fast.
Pick the depth you need. Both read the same guidelines and cite the same sources.
DeepSearch
For hard files with layered conditions. It works through every program that could apply.
Fast
For everyday questions like max DTI or minimum FICO. Answer and citation in seconds.
On your own guidelines
Add your own programs, overlays and price sheets, so the answers are yours.
Inside every product
The same engine sorts programs in the Pricing Engine, reads documents in the Digital 1003 and answers borrowers on BlueRate.ai.
AI calculators
Income, self-employment, DSCR and rental income calculators run on Zeitro Strata and are free to use.
Open the calculatorsMega Capital Funding
Wholesale lender, 40+ states. Zeitro Strata runs pre-underwriting eligibility reviews and program matching.
Read the customer storyFrequently asked questions
What is Zeitro Strata?
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 open beside the answer.
Which guidelines does it cover?
Agency guidelines from Fannie Mae, Freddie Mac, FHA, VA and USDA, plus non-QM and private lending programs from more than 100 investors.
How do I know an answer is right?
Every answer cites the guideline passage it used, and opens it next to the answer. Read the source before you rely on it, the way you would with an AE.
Can my AEs or brokers use it on our programs?
Yes. Wholesalers and lenders load their programs so their AEs, loan officers or brokers get answers from their own guidelines. See the solutions for lenders and wholesalers.