Free
$0forever
No card, no expiry
Kick the tires, send a few proposals a month, see if your clients open them.
- 5 proposals per month
- All math and scenario tools
- Small Mortgage Proposal footer on output
- Community email support
Pricing
One plan per broker. Start free.
No seat minimums. No annual contracts. Upgrade the moment you need more than five proposals a month.
Individual
$129/ month
Billed annually · $149 month-to-month
For solo loan officers sending proposals every week. Your brand, your fees, no caps.
- Unlimited proposals
- Your logo, headshot, brand color
- Saved fee templates & proposals
- Rate sheet & competing LE extraction
- Priority email support
Team
$109/ user / mo
Billed annually · 5 seats minimum
For brokerages with multiple loan officers under one brand. Shared fee templates, admin controls.
- Everything in Individual
- Invite brokers to your org
- Shared brokerage branding
- Admin controls & seat management
- Onboarding call included
Feature comparison
| Feature | Free | Individual | Team |
|---|---|---|---|
| Proposals per month | 5 | Unlimited | Unlimited |
| Optimized & Traditional modes | ✓ | ✓ | ✓ |
| Scenario comparison (up to 5) | ✓ | ✓ | ✓ |
| Copy-to-clipboard HTML email | ✓ | ✓ | ✓ |
| PDF export | ✓ | ✓ | ✓ |
| Custom branding (logo, colors, headshot) | — | ✓ | ✓ |
| Shared brokerage branding | — | — | ✓ |
| Fee templates & saved proposals | — | ✓ | ✓ |
| Rate sheet / Loan Estimate PDF extraction | — | ✓ | ✓ |
| Proposal history & client tracking | Last 5 | Unlimited | Unlimited |
| Team management & seats | — | — | ✓ |
| Admin controls | — | — | ✓ |
| Priority support | — | ✓ | ✓ |
Prices shown in USD. Individual: $149/mo monthly or $129/mo billed annually ($1,548/yr). Team: $129/user/mo monthly or $109/user/mo billed annually, 5-seat minimum.
Questions
What people actually ask first.
Is this an official Loan Estimate?
No. Mortgage Proposal is a pre-application sales tool for comparing rate and cost scenarios with a client before anyone applies. It is not a TRID-compliant Loan Estimate and doesn't replace one. Every proposal includes a plain-language disclosure making that clear, and the math is for comparison purposes only.
Can I use my own branding?
Yes — on Individual and Team. Upload your logo, set your brand color, add your headshot and NMLS, and every proposal you send carries your look. Free accounts include a small "Mortgage Proposal" footer on output; paid accounts drop it.
How do team accounts work?
An admin creates the organization, sets shared brokerage branding, and invites brokers. Every proposal a broker sends uses the brokerage brand. Admins manage seats and can see proposal history across the team. Minimum five seats, billed annually.
What happens if I hit the free 5-proposal limit?
You can keep editing and previewing inside the app, but you can't export or send more than five in a calendar month. Upgrade to Individual any time and the cap disappears immediately — no waiting for next month to roll over.
Do you support rate sheet and Loan Estimate extraction?
Yes, on paid plans. Upload a lender rate sheet or a competing Loan Estimate and we extract the numbers into a scenario you can edit. It works on most formats without per-lender templates. If extraction misses something, the field is editable — you're never stuck.
Can I use the tool without AI?
Yes. Every feature has a manual fallback. The math engine is deterministic — AI never touches the calculations. AI is only used for optional conveniences like parsing a rate sheet PDF or drafting broker notes. Turn it all off and the product still does its job.
Still on the fence?
Start with the free plan — no card, no trial clock. Upgrade once you’ve sent a proposal and seen how your clients respond.