Plans & Pricing
Every plan includes the full underwriting core — the deterministic rules-engine decision, document checklist, verification computations, and AI assistance. Plans differ by volume, and Enterprise adds LOS integration.
Basic
Free entry tier — try the full workbench on live files
Free
Every new organization starts here — no card required
- 2 loans / month
- 20 AI calls / month
- 5M AI tokens / month
- 20 files / loan
Standard
For teams with a steady monthly pipeline
$349 / mo
- 25 loans / month
- 2,000 AI calls / month
- 25M AI tokens / month
- 20 files / loan
Growth
For growing mid-market teams scaling their pipeline
$1,599 / mo
- 125 loans / month
- 10,000 AI calls / month
- 125M AI tokens / month
- 50 files / loan
Pro
For high-volume underwriting operations
$2,999 / mo
- 250 loans / month
- 20,000 AI calls / month
- 250M AI tokens / month
- 50 files / loan
Enterprise
Sales-ledUnlimited volume with LOS integration, rolled out with our team
Custom
Sales-led — scoped to your organization
- Unlimited loans / month
- Unlimited AI calls / month
- Unlimited AI tokens / month
- Unlimited files / loan
- LOS / Encompass integration
Access is concierge — request access and we'll set up your organization. Once you're onboarded, plan choice and changes are self-serve from the in-app Billing page. Enterprise plans are set up with our team.
Every plan includes
The full underwriting workbench
Tiers differ by volume, not features — every plan gets the full workbench.
Document-first intake: drop in the file and Alnex classifies, checklists, and fills the application
Income, liabilities, reserves, valuation, self-employment, and rental income — extracted by AI, computed by tested calculators
Ask the guidelines: cited, page-numbered answers from Fannie, Freddie, and FHA guides plus your own overlays
Click any figure to open the exact page of the source document
AUS reconciliation and Fannie 1084 / Freddie 91 cash-flow worksheets
Reg B adverse-action reason codes, exportable decision record, and a full audit trail
Your own underwriting thresholds — credit floor, DTI, LTV, reserves — tunable per organization
LOS / Encompass integration is the one Enterprise add-on.
A flat 20 MB per-file upload limit applies on every plan.
Billing FAQ
Common questions
Can I switch plans later?
Yes — switching is self-serve from the in-app Billing page and prorated automatically by Stripe. Up to 4 plan changes per month.
What happens if I cancel?
Cancellation takes effect at the end of your billing period — you keep paid access until that date, then your organization moves to the free Basic tier. Your data stays.
What counts as an AI call and a token?
Each document analysis, guideline answer, or copilot request is an AI call. Tokens measure how much text the AI reads and writes — larger documents use more. Deterministic calculations and the decision engine don't consume either.
Is Basic a trial?
No — Basic is a permanent free tier: 2 live loans a month with the full feature set, so you can evaluate on real files for as long as you need.
Get started
Not sure which plan fits?
Start on Basic and upgrade from the in-app Billing page as your volume grows — or talk to us about Enterprise and LOS integration.