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🏛️ Autonomous Mortgage Readiness Engine

Turn Credit-Stalled Leads into Closed Home Loans.

The ultimate AI operating system engineered for Mortgage Loan Officers, Real Estate Agents, and Homebuyers. Powered by Fannie Mae / Freddie Mac DU & LPA simulators, 72-hour rapid rescore planners, and federal open data intelligence.

Deploy Enterprise Platform → Launch Interactive Demo
Live Underwriting Simulator
DU APPROVED / ELIGIBLE
Middle FICO Score
710
Qualifying DTI
38.4%
Max Approved
$485,000
Underwriting Readiness Milestone: DU Dispute Blocker (B3-5.3-09) cleared on Chase card. Student loan adjusted to $0 IDR. 5% State DPA Grant matched ($24,250 cash savings).
BUILT FOR EVERY STAKEHOLDER

A Unified Operating System for Real Estate & Lending

Stop losing buyers to credit denials, high DTI ratios, or underwriting blockers. Smart FCRA Mortgage provides the tools, intelligence, and pipelines needed to close more files.

🏡

For Real Estate Agents

Rescue credit-challenged buyer leads and turn pipeline fallout into closed transactions with zero manual credit coaching.

  • Co-Branded Client Onboarding Links
  • Instant MLS Listing DPA Grant Matcher
  • Real-Time SMS Closing Milestone Alerts
  • Pre-Approval Letter Expiration Tracking
  • RESPA Section 8 Co-Marketing Compliance
View Realtor Portal →
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For Loan Officers & Brokers

Accelerate file turn-times, eliminate manual condition chasing, and prepare clean DU/LPA submissions with precision.

  • 72-Hour Rapid Rescore Action Planner
  • DU Disputed Tradeline Blocker Removal
  • Form 1084 / Form 91 Tax Return Analyzer
  • 45-Day Rate Shopping Inquiry Grouping
  • Ready-to-Submit Form 1003 & 1008 Packets
View MLO Portal →
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For Homebuyers

Clear, transparent roadmap to homeownership with personalized credit repair, budget coaching, and down payment grants.

  • 24/7 Mortgage Readiness Command Center
  • FCRA & Metro 2 Dispute Automation
  • Front & Back-End DTI Scenario Simulators
  • FHA, VA, Conventional & USDA Matchers
  • Official Homebuyer Readiness Certificate
Launch Buyer Experience →
UNDERWRITING PRECISION

Enterprise Mortgage Technology Stack

Engineered with deterministic compliance rules, live federal datasets, and autonomous AI agents to ensure every file is 100% underwriter-ready.

🏛️ September 2026 Fannie Mae Selling Guide Rules

Evaluates B3-5 Credit Requirements, B3-6 DTI Limits (45-50%), B3-5.3 Seasoning (Bankruptcy/Foreclosure), B3-3.5 Self-Employed Cash Flow, and $0 IDR Student Loan rules.

📊 Multi-Score Modernization Lab

Simulates borrower risk trajectories across Classic FICO (Equifax Beacon 5.0, Experian v2, TransUnion Classic 04), VantageScore 4.0, and FICO 10T pursuant to FHFA directives.

🌐 Live Federal Open Data Warehouse

Direct API connectors to U.S. Census Geocoder, FRED rate engine, BLS unemployment, BEA county GDP, HUD USPS Crosswalks, CFPB HMDA, and OpenFEMA disaster declarations.

🛡️ Golden Rule Lineage & Epistemic Audit

Every underwriting fact is strictly traceable to its origin source, retrieval date, version hash, calculation, and regulatory rule with zero algorithmic hallucinations.

ENTERPRISE INVESTMENT

Institutional Mortgage Readiness Infrastructure

High-performance operating systems designed for Top-Producing Loan Teams, Independent Mortgage Bankers (IMBs), and Multi-Branch Brokerages. Turn credit denials into closed loan volume.

Mortgage Branch & Team

For high-volume loan officers, producing branches, and dedicated borrower turnaround teams.

$1,997 / month
Includes 10 MLO & Processor Seats
  • Tri-Bureau Underwriting Simulators (Fannie Mae DU & Freddie Mac LPA)
  • 45-Day Mortgage Inquiry Deduplication (B3-5.1-01 / CFPB Rules)
  • 72-Hour Rapid Rescore Action Planner & Credit Twin Generation
  • DU Dispute Blocker Resolution Engine (Fannie Mae B3-5.3-09 Compliance)
  • Form 1084 & Form 91 Tax Return Self-Employed Income Analyzer
  • MLS DPA Grant Matcher & Down Payment Assistance Lookup
  • Unlimited Co-Branded Realtor Portals with SMS Milestone Triggers
  • 24 Autonomous Mortgage Operations Agents & SLA Escalations
  • Click2Mail Certified Mail & FCRA § 611 Clock Tracking
Deploy Branch OS →
MOST POPULAR · ENTERPRISE SCALE

Enterprise Lender & Brokerage

For independent mortgage bankers (IMBs), multi-branch brokerages, and regional credit unions.

$4,997 / month
Includes 35 MLO & Underwriting Team Seats
  • Everything in Mortgage Branch Plan, plus:
  • Full White-Label Domain (e.g. apply.yourmortgagebrand.com)
  • Complete 30-Agent Autonomous System across all 6 Command Centers
  • LOS Webhooks & Bi-Directional Sync (Encompass, BytePro, LendingPad)
  • Dual-Control MLO Licensing & RESPA Section 8 Auditing Engine
  • FHFA Multi-Score Transition Lab (FICO 10T & VantageScore 4.0 Lab)
  • Live Federal Data Connectors (Census, FRED, BLS, BEA, FEMA, HMDA)
  • Batch Report OCR & Tri-Merge Auto-Ingest Pipelines
  • Dedicated Account Manager & 2-Hour Guaranteed SLA Support
Deploy Brokerage OS →

National Correspondent & Bank

For national non-bank lenders, correspondent depositories, and capital markets originators.

$14,997 / month
Unlimited Enterprise Seats & Custom SLA
  • Everything in Enterprise Lender Plan, plus:
  • Unlimited Loan Officer, Underwriting & Secondary Seats
  • Dedicated Isolated Cloudflare D1 & R2 Vault Architecture
  • Custom Secondary Investor Overlay Matrix & Pricing Engine Hook
  • Direct LOS Native Connector Integrations & Secondary Bypasses
  • Real-Time Fair Lending Algorithmic Defense & Compliance Audit Vault
  • Dedicated Solutions Architect & Custom Underwriting Rules Tuning
  • 99.99% Uptime Guarantee & 24/7 Priority Emergency Engineering
  • Custom Data Retention Policies & SOC 2 Type II Security Package
Contact Enterprise Desk →

FAQ · SEO / GEO

Credit repair software questions operators actually ask.

Smart FCRA Mortgage is built in Tijeras, New Mexico and used by credit repair organizations across the United States. These answers are written for humans, search, and AI overviews — without deletion promises.

What is Smart FCRA Mortgage?
Smart FCRA Mortgage is credit repair operations software from RJ Business Solutions. It reads Experian, Equifax, and TransUnion files, scores FCRA, FDCPA, ECOA, and Metro 2 findings, generates dispute and demand letters from those facts, and runs a CROA-aware client portal. It is not a fill-in letter template library and not a consumer credit-repair enrollment site.
Who is Smart FCRA Mortgage for?
Credit repair organizations, consumer-rights firms, and litigation desks in the United States that need FCRA compliance software, a credit repair CRM, generated letters, mailing clocks, and a client portal. Headquarters is Tijeras, New Mexico, near Albuquerque; the product is sold nationwide.
Does Smart FCRA Mortgage guarantee deletions or score increases?
No. Smart FCRA Mortgage documents the file, the finding, the letter, and the FCRA § 611 investigation clock. It does not promise deletions, VantageScore or FICO lifts, lending approval, or funding.
Are the letters templates?
No. Letters are generated from selected violations and account evidence on the imported report (bureau § 611, furnisher § 623, method-of-verification, and litigation paths), then branded as PDF under your organization letterhead.
How do I see a live demo?
Open the interactive demo at https://smartfcra.com/demo with your firm name, address, email, and phone. A guided tour walks the operator console and consumer portal. This is not consumer credit-repair signup.