Zeitro review
Guideline lookup and loan workflow tools for mortgage professionals, not autonomous underwriting.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Zeitro is a cloud-based mortgage platform for loan officers, brokers, wholesalers and lenders. It brings together guideline search, loan pricing, borrower intake and point-of-sale workflows. For brokers seeking program guidance and eligibility support, it offers a free entry point alongside paid options for individual professionals and teams. Its role is to assist loan professionals with pre-underwriting work, rather than replace their final underwriting judgment.
GuidelineGPT, branded as Zeitro Strata in the product description, answers borrower-scenario questions using agency and non-QM guidelines and cites the guideline behind an answer. The Pricing Engine compares loan programs and identifies eligible and ineligible options before quoting. Lenders can also load their own guidelines and rates for internal use. These capabilities make the product relevant when program fit and guideline lookup are central to a mortgage workflow; they do not amount to an explicit claim of autonomous lending decisions or application risk assessment.
The Explorer plan is free for individuals testing the platform, but limits GuidelineGPT to 5 per day and FNM / 1003 exports to 10 lifetime. Individual includes unlimited GuidelineGPT and exports. Business is for teams and supports up to 30 users, with additional users priced at $8/mo; Scenario AI / Enterprise offers a customizable Scenario AI experience. Digital 1003 reads borrower-uploaded documents, populates an application and exports it as FNM 3.4 or sends it to Encompass or an existing LOS. Zeitro also lists MISMO and credit vendors among its integrations, and SOC 2 among its compliance details. Brokers and lenders who need guideline, pricing and intake support may find the scope relevant; teams seeking software that makes final underwriting decisions should look elsewhere.
Zeitro pros and cons
- Where it wins
- Cited answers search agency and non-QM lending guidelines
- Pricing Engine compares programs and shows eligibility
- Digital 1003 reads documents and exports FNM 3.4
- Where it doesn't
- Explorer limits GuidelineGPT to 5 queries per day
- Explorer limits FNM / 1003 exports to 10 lifetime
- Supports eligibility reviews, not autonomous final underwriting
Zeitro fact sheet, pricing and score →
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