No citation until the facts are in — then the rule, dated, across all five agencies.

Signing in…via Pulse DEMO

Ask ClearStrategy

type it the way you'd say it — dictation is fine

ClearStrategy pulls out what it can, then lists what it still needs. It will not quote a section until the answer-changing facts are answered.

Before I answer · what this rule turns on

tap an answer to fill it in

The ruling

The math

tap any line to trace it

Agency switch

same scenario, different rule

AI insights

✨ Underwriter view

Next action

Guideline sources

re-checked hourly

36 of 60 topic-agency slots resolve to a section read out of the live handbook. Fannie via their sitemap, Freddie via headless Chrome, FHA by scanning all 1,081 pages of 4000.1. USDA blocks every automated request and VA sits behind a knowledge-base API that is not wired yet — so those two carry no citation rather than a guessed one.

Spend

sample figures
$0.00

Your history

Your desk

per loan officer
  • ›Anything you send out is stamped NMLS 1111313 · Clear Home Loans, a Division of Aspire Home Loans (NMLS 1955132) automatically.
  • ›Your licensed states are on file — SC · NC · GA — so "which state?" answers itself, and a scenario in a state you aren't licensed in says so before the guideline does.
  • ›History above is stored against your account and is private — not the owner's, not another LO's.
  • ›The audit log records who asked, what was missing, what they answered, and which guideline version replied.

What this changes versus CSI today

It asks before it answers

Every rule has a list of facts it turns on. ClearStrategy holds the list, checks the question against it, and withholds the citation until the answer-changing ones are filled. A fast wrong answer is the failure mode this removes.

One login, from Pulse

No new password and nothing to provision. ClearStrategy reads the Pulse session an LO already got at recruiting, so the answer carries their NMLS and their history. The same door ClearIncome is being built behind.

The switch is on the rule

ClearIncome switches the income. ClearStrategy switches the guideline: one scenario, five agencies, five answers side by side — because on student loans, continuance and seasoning the agencies genuinely disagree.

One worksheet, two tools

ClearStrategy and ClearIncome share a single income-worksheet JSON — components, averaging method, source page, agency basis, sign-off. A figure traced in one opens in the other, and neither build touches the other's code.