Inquire. Empower. Inform.
TheRuleTool™ offers blazing fast access to agency and non-conforming guidelines as well as investor overlays.
What is TheRuleTool™?
TheRuleTool™ is a search engine that removes the time consuming process of researching and confirming agency and investor overlays one website at a time. With a few clicks or taps, you can quickly find comprehensive information on topics, like bonus income or 1031 exchanges. Get extra information on best practices, documentation requirements and even tips from our Credit Policy Team.
Inquire
Ask questions through our easy three click interface, in our anonymous deal scenario chat room, or even directly to TheRuleTool™'s Credit Policy Team.
Empower
Your origination team needs direct information in moments. Anyone can “Google” it, but TheRuleTool™'s Credit Policy Team answers the entire rule, from contextual issues to documentation to tips and best practices.
Inform
Good information is good for business. Knowing the best product and how to communicate with your borrower gets the best results.
What We Offer
TheRuleTool™ is designed to meet the needs of anyone searching for agency guidelines or investor information. Here's what's included:
Rules Search Engine
Through a quick and easy search of agency rules and investor overlay documents, you can efficiently locate information by selecting the specific rule you are looking for, or by typing in a keyword.
Deal Scenario Chat Room
We offer an anonymous environment to discuss scenarios and ask questions of your colleagues.
Mobile Interface
Designed to give you quick and easy access on the go, simply navigate to TheRuleTool™ on your mobile device to view a mobile-ready interface.
Tailored For You
We customize your account to display your company's approved investor overlays.
Simple and affordable
After 30 days, the cost is just $20 per user monthly. And, TheRuleTool™ has a no-risk subscription. Whether your company sponsors you and your team, or just participates in allowing access to approved investor overlays, don’t put off getting this productivity tool to save you hours each month.
If you're interested in signing up for our team plan or are a member of The Mortgage Collaborative, contact us for special pricing.
Individual
$20
/month
- No-Risk Subscription
- Investor Overlays with a corporate agreement
- First Month Free
Teams
Contact
- Discount for TMC members
- Volume discounts for more than 50 users
Here's what our users have to say about TheRuleTool™...



Invite us to your next sales meeting...
What if we could show your team how to eliminate 30 to 60 minutes of research a week? We've had users do a head to head comparison against TheRuleTool™. We found that what they perceived as a quick search on TheRuleTool™ is really ten minutes or more using conventional sources. We can bring a positive discussion about productivity to your sales meeting and show TheRuleTool™ in a comprehensive five minute demo. It's not complicated, it's not expensive, but it has become the go-to productivity tool for a growing pool of originators.
Our Story
TheRuleTool™ was developed for the mortgage industry by mortgage sales and operations professionals with its sole focus on empowering teams with agency guideline and investor overlay knowledge. This knowledge is needed at application, and having it improves origination, and processing, while making it easier to communicate conditions to borrowers. We employ a seasoned Credit Policy Team with years of deal-making experience who articulate guidelines in straightforward language.
At Take Three Technologies, our goal is building mortgage technology that is easy to use, provides immediate lift, trims hours off research time, and improves the quality of the loans your company originates.
Here's what we are talking about...
Website Launch
The Rule Tool is launching our new website. From a new look and feel to our fresh blog content we are working to support originators with quality rule and overlay content. Reach out to our credit policy team or hang our with fellow originators in our chat room to discuss deal scenarios.
- Oct 17
- 1 min read
VA Circular 26-19-17 Funding Fee Guidance to Lenders and Servicers Highlights
The VA issues updated guidance on the requirement to document Veteran’s exemption status before closing.
- Oct 23
- 2 mins read
VA Circular 26-19-22 on IRRRLs
In an effort to stem some of the rampant churning of VA loans, VA released Circular 26-19-22 (including three exhibits) to offer guidance on the statutory restrictions for IRRRLs (as enacted by Section 309 of the Economic Growth, Regulatory Relief and Consumer Proptection Act of 2018 and fixes the enacted part of the Protecting Affordable…
- Oct 15
- 1 min read
- 1
- 2