What is a file readiness checklist?

A file readiness checklist is a pre-submission review that verifies every required document and guideline item is in place before your loan file reaches underwriting. Loanwright generates one automatically based on your deal parameters (loan type, property type, occupancy, income type, LTV, and credit range), so you catch missing items before they become conditions.

How does Guideline Search work?

Guideline Search ships in two surfaces. The free public version at /tools/guideline-search runs semantic search over the published Fannie Mae, Freddie Mac, FHA/HUD, USDA, and VA guidelines, plus the federal ATR/QM rule (12 CFR 1026.43, the CFPB regulation defining the Ability-to-Repay requirement and Qualified Mortgage standards), and returns the most relevant agency excerpts verbatim, with section citations. The VA corpus is 38 CFR Part 36 (the federal regulation governing VA loan guaranty), the active VA Loan Guaranty Circulars, and the VA Lender's Handbook (Pamphlet 26-7) ingested directly from VA's KnowVA portal. When the regulation, a Circular, and the Handbook differ on the same topic, the regulation controls and the Handbook gives the operational walk-through; the Circulars carry interim policy changes between Handbook revisions. No AI summary is generated on the public surface; you read the source passages and decide. The signed-in Pro version runs the same retrieval and additionally has GPT-4o produce a cited answer tuned to your question. AI summaries are labeled as AI-generated content, and you should always verify against the original guidelines before making decisions.

Why should I sign up for a Pro account?

Free tools cover reference: search the agency guidelines, run quick eligibility checks, get the source passage with a citation. Pro covers the actual work. The signed-in Guideline Search reads those same passages in context with your scenario and returns a cited summary, so you stop tabbing between source documents to figure out how a section applies to your borrower. File Readiness then carries that judgment into the file itself: generate a tailored conditions checklist, track every item from intake to clear-to-close, and run pipeline metrics across all your active loans. Free tier shows you the source. Pro is the workspace that runs on top of it. Starter (free) gives you 5 loan files per month so you can try the workflow before upgrading to Pro at $49 per user per month.

What loan types does Loanwright support?

Loanwright supports conventional, FHA, VA, and USDA loan types. Each loan type generates a tailored checklist that accounts for agency-specific requirements, such as FHA case number assignment, VA Certificate of Eligibility, or USDA income eligibility documentation.

Is my loan data secure?

Yes. All data is encrypted in transit with TLS and at rest via our infrastructure providers. Every request is authenticated and session-scoped, so users can only access their own files. Server-side input validation, rate limiting, and audit logging are enforced on every endpoint. We never sell your data or use it for marketing.

How much does Loanwright cost?

Loanwright's free Starter tier is a real broker workspace: file-readiness checklists tailored to each deal, document uploads organized per file, and condition tracking from open to cleared, up to 5 loan files per month. Pro at $49/user/month removes the file cap, adds saved loan presets, and unlocks Guideline Search (cited AI answers that read the agency guidelines in context with your scenarios), capped at 100 queries per month. Custom Brokerage pricing is available for teams with 10 or more originators.

Do I need to install any software?

No. Loanwright is a web application that runs in your browser. There is nothing to install, and it works on any device with an internet connection. Sign in with your Google or GitHub account to get started.

Now in early access

Stop chasing conditions.
Start closing cleaner.

Loanwright gives mortgage brokerages file readiness checklists, condition tracking, and guideline search so every loan ships cleaner and closes faster.

No credit card required. Free tier available.

Built for the teams behind the loans

Faster pre-submission reviews

Catch missing items before underwriting does

Know exactly what every file needs

Everything your ops team needs in one place

Core modules designed to eliminate the busy work between application and clear-to-close.

File Readiness

Enter your deal parameters and get an instant checklist of what's needed and what needs a second look before submission.

Guideline Search

Search published agency guidelines in plain language. AI surfaces relevant excerpts with source citations so you can verify against the originals.

Condition Tracking

Track underwriting conditions from open to cleared. Add comments, update statuses, and get email notifications when conditions change.

Answers you can stand behind

Guideline Search is graded for accuracy and kept current, so the answer you cite is the answer that holds up.

Tested against 4,000+ questions

The answer pipeline has been evaluated against more than 4,000 questions across US and Canadian agency guidelines, with zero failures.

Straight from the source

Every guideline is ingested directly from the issuing agency, version-tracked, and shown with a last-updated date. No third-party mirrors.

Cited, so you can verify

Each answer cites the exact agency sections it draws from, so you confirm every point against the original before relying on it.

Up and running in minutes

No long onboarding. No complex setup. Just upload and go.

Enter your deal

Input your loan parameters: loan type, property, borrower profile, and more. Takes under a minute.

Review the checklist

Get a prioritized list of required documents and guideline items, grouped by category and severity.

Submit with confidence

Track what you have, upload supporting docs, and know your file is complete before it hits underwriting.

Your data is safe with us

Loan files contain sensitive personal and financial information. We treat security and privacy as requirements, not features.

Encrypted by default

All data is encrypted in transit with TLS and at rest via our infrastructure providers (Vercel, Neon PostgreSQL).

Your data stays private

We never sell your data or use it for marketing. Data is only shared with infrastructure providers (authentication, database hosting) as disclosed in our Privacy Policy.

Security-first architecture

Server-side input validation, authenticated session checks, and no client-side secrets. Every request is verified before data is read or written.

Strict access controls

Every user can only see their own files. Session-scoped queries and server-side validation enforce this at every layer.

Data portability, not lock-in

Export everything Loanwright stores about your account in open JSON, on any plan, with one click. No support ticket, no proprietary schema, no enterprise gating.

Simple, transparent pricing

Start free. Upgrade when your team is ready.

Starter

Free

A real broker workspace for solo originators, free.

File-readiness checklists tailored to each deal
Document uploads, organized per file
Condition tracking from open to cleared
5 loan files per month

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Frequently asked questions

Common questions about Loanwright and how it fits into your brokerage workflow.

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