Pricing
One plan per broker. Start free.
No seat minimums. No annual contracts. Upgrade the moment you need more than five proposals a month.
Free
Kick the tires and send a few proposals a month.
- 5 proposals per month
- All math & scenario tools
- beaconAI watermark on output
- Community support
Individual
Billed annually ($99 monthly)
For solo loan officers who send proposals every week.
- Unlimited proposals
- Your brand, logo & headshot
- Fee templates & saved proposals
- Priority email support
Team
Shared brokerage branding
For brokerages with multiple loan officers under one brand.
- Everything in Individual
- Invite brokers to your org
- Shared brokerage branding
- Admin controls & seat management
Feature comparison
| Feature | Free | Individual | Team |
|---|---|---|---|
| Proposals per month | 5 | Unlimited | Unlimited |
| Optimized & Traditional modes | ✓ | ✓ | ✓ |
| Scenario comparison (up to 5) | ✓ | ✓ | ✓ |
| Copy-to-clipboard HTML email | ✓ | ✓ | ✓ |
| PDF export | ✓ | ✓ | ✓ |
| Custom branding (logo, colors, headshot) | — | ✓ | ✓ |
| Shared brokerage branding | — | — | ✓ |
| Fee templates & saved proposals | — | ✓ | ✓ |
| Rate sheet / Loan Estimate PDF extraction | — | ✓ | ✓ |
| Proposal history & client tracking | Last 5 | Unlimited | Unlimited |
| Team management & seats | — | — | ✓ |
| Admin controls | — | — | ✓ |
| Priority support | — | ✓ | ✓ |
Prices shown in USD. Annual billing available for Individual at $79/mo (20% off monthly). Team plans billed per active seat.
Questions
Frequently asked.
Is this an official Loan Estimate?
No. Mortgage Proposal is a pre-application sales tool that helps loan officers compare rate and cost scenarios for a client. It is not a TRID-compliant Loan Estimate. Every proposal includes a plain-language disclosure making that clear.
Can I use my own branding?
Yes — on Individual and Team plans. Upload your logo, set your brand colors, add your headshot and contact info, and every proposal you send carries your look. Free accounts include a small beaconAI watermark.
How do team accounts work?
An admin creates the organization, sets shared branding, and invites brokers. Every proposal a broker sends uses the brokerage brand. Admins manage seats and can see proposal history across the team.
What happens if I hit the free limit?
You can keep editing and previewing proposals, but you won't be able to export or send more than five in a calendar month. Upgrade to Individual any time and the cap disappears immediately.
Can I send proposals without AI?
Yes. Every feature has a manual fallback. The math engine is deterministic — AI is only used for optional conveniences like parsing a rate sheet PDF or drafting broker notes. You can use the tool with zero AI calls.
Do you support lender rate sheets and PDF extraction?
Yes, on paid plans. Upload a rate sheet or a competing Loan Estimate and we extract the numbers into a scenario you can edit. Vision-based extraction works on most formats without per-lender templates.
Still on the fence?
Start with the free plan — no card, no trial clock. Upgrade once you’ve sent a proposal and seen how your clients respond.