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Optimal Blue
or Polly
Best price execution only matters if the borrower qualifies. The Rule Tool helps you get every borrower qualified correctly—fast, confidently, and in compliance.





Overcome mortgage processing challenges with TheRuleTool’s advanced solutions. Experience AI-powered search, comprehensive guides, text message support, and daily updates.
Instantly find precise mortgage guidelines using our advanced AI technology, which ensures enhanced efficiency and accuracy in your search results. This powerful tool simplifies the process, saving you valuable time.
Utilize a wide range of integrated guides, including those from Fannie Mae, Freddie Mac, FHA, VA, USDA, and Jumbo/Non-Conforming. These resources help streamline your mortgage processing and improve your workflow.
Engage in a convenient text message conversation with the AI chat to receive quick answers and support anytime, making it easy to get the information you need on the go.
Stay ahead with daily expert updates on mortgage guidelines and investor overlays. This ensures you always have the most current and relevant information to make informed decisions.
TheRuleTool is trusted by mortgage professionals nationwide, delivering significant improvements in efficiency and accuracy.
Accuracy verified by expert underwriters
Cut your research time by 95%
Access crucial mortgage data anytime, anywhere
Join our thriving community of mortgage professionals.
Discover how our AI-powered solutions and comprehensive features have made a significant impact on their efficiency and accuracy.
It’s much quicker to find applicable guidelines in TheRuleTool than to navigate the agency selling guides or investor overlays individually.
I use it almost daily to ensure accuracy with my loan applications and structure so we can navigate underwriting smoothly for our clients.
Branch Manager,
Three Point Mortgage
The Rule Tool has proven to be exceptionally user-friendly, providing a seamless navigation experience for quick and efficient access to answers. Its design not only makes it easier for Loan Officers but enhances overall usability. The inclusion of hyperlinks back to the original source adds a valuable dimension, allowing for in-depth exploration of topics.
Without hesitation, I strongly recommend the Rule Tool to anyone seeking a user-friendly and reliable underwriting guideline source.
Director of Mortgage Services,
CrossFirst Bank
It helps me get quick information from my borrowers and realtors. You can also look up guidelines from various investors and agencies, such as Fannie Mae, Freddie Mac, and Ginnie Mae, as well as any investor overlays. You can’t imagine what this has done for my business.
With six employees, including three processors, my team can easily navigate TheRuleTool to find rules and proceed with transactions efficiently. Within seconds, they can determine what needs to be done and whether or not they can proceed with the transaction. This user-friendly tool is invaluable for anyone serious about their loan business, enhancing both accuracy and efficiency.
Branch Manager,
Von Mortgage
Choose a plan that suits your needs and start enhancing your mortgage processing with TheRuleTool. Explore our pricing options below to find the best fit for your business.
Perfect for individual loan officers seeking streamlined tools
$20 / month
Ideal for lending offices needing advanced features and support
Based on company size, call for a quote
TheRuleTool is trusted by mortgage professionals nationwide, delivering significant improvements in efficiency and accuracy.