Built for Non-QM. Not bolted on.
TEO checks one borrower scenario against dozens of Non-QM lenders and thousands of guideline combinations in seconds. It shows every program that fits, explains in plain language why the others don't, and opens the lender's own guideline document so you can confirm it.
Scenario · Non-QMScenario
Eligible programs 27
Not eligible 11
The catalog
TEO already reads the guidelines, programs and products of these lenders, so you don't have to. The catalog keeps growing.
Logos are trademarks of their respective owners and are shown only to identify the lenders whose guidelines are loaded in TEO. TEO is not affiliated with, sponsored or endorsed by them.
The problem
Non-QM borrowers are self-employed, investors, foreign nationals, ITIN holders, people with a credit event behind them. Each lender writes its own rules for them, in its own PDFs, with its own overlays. Matching one borrower to the right program is still mostly manual work.
Most pricing and eligibility engines were built for conforming loans first. DSCR, bank statement and asset-based logic came later, and it shows. Shops with real Non-QM volume end up running a second tool on the side.
Existing tools are dense and assume you speak fluent capital-markets jargon. None of them help you explain to a borrower, in plain words, why a program works or doesn't.
Enterprise platforms ask for a demo before they show a price, and are priced for shops closing 50+ loans a month. Independent brokers and small teams are left with spreadsheets and phone calls.
The solution
TEO is a Non-QM eligibility search engine. We read and structure each lender's guidelines, programs and products so you can search them like a database instead of reading them like a book.
Loan, borrower and property in one screen: lien, purpose, amortization, term, price, value, loan amount, FICO, DTI, reserves, income documentation, DSCR, citizenship, occupancy, property type, units and state.
TEO tests the scenario against every lender, program and product in the catalog. Multi-select fields work as OR. Leave a field empty and that filter is simply off.
Eligible programs grouped by lender, ineligible ones with the exact reasons, and a link to the lender's own document for every program.
Results are organized as Lender → Program → Product. Open a lender to see its programs; open a program to see its products. Key limits sit in the same row, so you can compare without opening a single PDF.
| Lender / Program / Product | Doc | FICO min | LTV max | Loan max | Term |
|---|---|---|---|---|---|
| ▾ Lender A (3 prog / 3 prod) | — | — | — | — | — |
| ▾ Apex Prime | Full Doc | 680 | 80 | 5,000,000 | — |
| 30 Year Fixed | — | — | — | — | 360 |
| ▸ Prime | Full Doc | 620 | 80 | 1,500,000 | — |
| ▸ Super Prime | Full Doc | 620 | 90 | 4,000,000 | — |
| ▸ Lender B (2 prog / 2 prod) | — | — | — | — | — |
| ▸ Lender C (1 prog / 6 prod) | — | — | — | — | — |
For every program that doesn't fit, TEO lists each rule that failed and puts the program's requirement next to your borrower's value. Red is the lender's rule, green is your scenario. You see at a glance whether the gap is one detail you can work on or a hard stop.
▾ Lender E (11)
Features
Loan, borrower and property fields that Non-QM actually depends on: income doc type, DSCR, reserves in months, citizenship, first-time investor, first-time homebuyer, short-term rental, units and more.
Select several liens, loan types, terms, doc types, occupancies, property types or states at once. Values combine as OR, so one search covers every option the client is open to.
Results grouped in three levels with FICO minimum, max LTV, max loan, amortization and term on each row. The lender you opened stays highlighted.
Each failed rule shown with the program's requirement next to the scenario value. No black box, no guessing what to change.
Every program links to the lender's own guideline or matrix. Confirm the rule in the original before you submit.
Ask a quick question about a program or guideline in the side chat and get an answer without leaving the scenario. Start a new topic with one click.
Keep borrowers and past scenarios on file, reopen a search and run it again when the client's numbers change.
We load and update lenders, guideline documents, programs and products for you. You search, we do the reading.
Your scenarios and borrower data belong to your account. No pooling of competitive data between lenders, no selling of your searches.
Why TEO
We are not trying to be another enterprise capital-markets platform. TEO does one job, Non-QM eligibility, and does it clearly.
DSCR, bank statement, asset depletion, foreign national and ITIN logic are the main event, not a checkbox added to a conforming engine.
Not only “you qualify for X”, but why, in terms you can repeat to a borrower who feels confused or judged by the process.
Every result comes from a rule you can open in the lender's own document. You always know why a number is what it is.
No competitive data-sharing between lenders, no hidden pooling. Your borrower's scenario is used to find programs for your borrower.
Published prices, self-serve sign-up, and plans that make sense for a solo originator or a team of ten.
| Enterprise pricing engines | Manual research | TEO | |
|---|---|---|---|
| Built for Non-QM first | No, added later | — | Yes |
| Searches dozens of lenders at once | Yes | No | Yes |
| Plain-language reasons for “no” | Limited | Only if you find them | Every rule, every program |
| Link to the lender's source document | Rarely | You are in the PDF | One click |
| Published, self-serve pricing | Sales call required | Free, but costs hours | From $29/user/mo |
| Right size for solo and small teams | Pays off at 50+ loans/mo | Doesn't scale | 1 to 10 users |
Who it's for
Pre-qualify Non-QM scenarios in seconds and send files only to lenders whose guidelines already fit.
Cover the whole Non-QM market from one screen and show clients options they would not find on their own.
Find out early whether a self-employed or investor buyer has a real path to financing, before the offer goes in.
Give every agent the same catalog and the same answers, with one subscription for 2 to 10 users.
Pricing
Pick the package that fits your shop. Pay monthly or save with annual billing. All prices in USD.
For the independent loan officer, broker or realtor.
$49 /month
Billed monthly. $588 per year.
12-month agreement
Choose IndividualFor brokerages and teams that share one catalog.
$29 /user/month
5 users × $29 = $145/month
12-month agreement
Choose AgencyFor one deal, a busy month, or trying TEO first.
$89 one time
Single payment. No recurring charge.
1-month agreement
Buy On-DemandMore than 10 users? Talk to us about a custom agreement.
FAQ
No. TEO is software for mortgage professionals. It checks a scenario against published lender guidelines and tells you which programs appear to fit. It is not a lender, does not make credit decisions and is not a commitment to lend. Final eligibility, pricing and approval always come from the lender.
TEO focuses on eligibility: which lenders, programs and products fit the scenario, and why the others don't. Use it to decide where to send the file, then get pricing from the lender.
Dozens of Non-QM lenders, with their guideline documents, programs and products. The catalog keeps growing. If you work with a lender that is not listed yet, tell us and we will prioritize it.
We load each lender's guidelines and matrices and update them when lenders publish new versions. Every program links to its source document, so you can always check the rule in the original.
Individual and Agency are 12-month agreements. You can pay monthly over the 12 months, or pay the full year up front and get two months free ($490 instead of $588 for Individual, $290 instead of $348 per user for Agency).
Yes. Agency covers 2 to 10 users at $29 per user per month. Added users join your current agreement. For more than 10 users, contact us for a custom agreement.
On-Demand is one user for one month, paid once at $89. Access ends after the month and nothing renews automatically. If TEO earned its place, move to Individual or Agency.
Scenarios and customer records belong to your account and are used only to run your searches. We do not share or pool your data with lenders or other users.
Tell us about your shop and the plan you want. We will set up your access and walk you through your first scenario.