Conv. 30yr6.875%+0.025
FHA 30yr6.500%-0.012
VA 30yr6.250%
USDA 30yr6.375%+0.008
Median Home$412K+2.1%
Jumbo 30yr7.125%+0.018
SOFR 1M4.83%-0.005

▸ Mortgage Intelligence Platform

Underwrite scenariosbefore the borrower applies.

Morgauge evaluates Conventional, FHA, VA, and USDA scenarios against one borrower profile. Payment, DTI, cash-to-close, risk flags, and long-term equity. All in one structured workflow.

A app.atlas.com/dashboard
Dashboard
Borrowers
Scenarios
Reports
Rules
Profiles
12
Scenarios
34
Reports
8
Plan
Starter
Conv.
FHA
VA
USDA
Monthly P&I
$2,843
$2,690
$2,410
$2,370
Total DTI
38.2%
36.1%
32.4%
31.8%
Cash to Close
$84K
$12K
$0
$0
Built forMortgage BrokersLoan OfficersFinancial AdvisorsProcessing Teams

Platform

Everything you need to evaluate a mortgage scenario.

From borrower intake to client-ready reports. Built with underwriter-grade logic, not generic calculators.

01

Structured borrower intake.

Income sources, asset accounts, liabilities, and credit. Organized like an underwriting file, not a generic form. Every field maps to a decision downstream.

Full Name
Sarah Mitchell
Credit Score
742
Annual Income
$128,000
Monthly Debts
$1,840
02

All four programs. One comparison.

Conventional, FHA, VA, and USDA. Each evaluated against the same borrower profile. Monthly payment, DTI, cash-to-close, and 30-year wealth projections in a single view.

Conv
FHA
VA
USDA
Monthly P&I
$2,843
$2,690
$2,410
$2,370
Total DTI
38.2%
36.1%
32.4%
31.8%
Cash to Close
$84K
$12K
$0
$0
03

Long-term wealth projections.

Model net worth outcomes factoring home appreciation, amortization schedules, investment returns, and mortgage insurance costs over decades. Not just the first month.

$201Kprojected net worth at year 30
04

Deterministic risk detection.

Built-in rule checks flag credit, DTI, LTV, and program-specific eligibility issues before the borrower applies. Backed by Fannie Mae, FHA, VA, and USDA guidelines.

DTI > 43%Fannie Mae B3-6-02
FAIL
Credit < 680FHA min 580
WARN
LTV > 95%Conv. max 97%
FAIL
Reserves < 2moVA residual income
WARN
FHA min 580FHA guideline
PASS
05

Client-ready strategy reports.

Executive summary, scenario comparison tables, risk analysis, and compliance disclaimers. Branded PDF output ready to share with borrowers, partners, and processors.

PDF
Executive Summary
Scenario Comparison
Conv.
$2,843
FHA
$2,690
VA
$2,410
USDA
$2,370
06

Share securely, on your terms.

Password-protected links with expiring access and per-link download controls. Give clients a portal view of their strategy report — no login required.

Share report
● Active
morgauge.com/s/8f2k…
Password
••••••••
Expires
14 days
Allow PDF download

Workflow

Four steps to a strategy report.

1

Create a borrower profile

Enter income, credit, assets, and liabilities in a structured underwriting format.

2

Run scenario comparisons

Evaluate Conventional, FHA, VA, and USDA programs against the same profile instantly.

3

Review risks and projections

See DTI, cash-to-close, 30-year wealth outcomes, and automated rule-check results.

4

Generate a strategy report

Export a client-ready PDF with executive summary, comparison tables, and disclaimers.

Interface

Dense, readable, built for decisions.

Real data tables, not marketing mockups. Every pixel serves a purpose.

Scenario Comparison
Conv.
FHA
VA
Monthly P&I
$2,843
$2,690
$2,410
Total DTI
38.2%
36.1%
32.4%
Cash to Close
$84K
$12K
$0
30yr Net Worth
$187K
$164K
$201K
Risk Analysis
DTI > 43%
Fannie Mae B3-6-02
FAIL
Credit score < 680
FHA min 580
WARN
LTV > 95%
Conventional max 97%
FAIL
Reserves < 2 months
VA residual income
WARN
FHA min score 580
FHA guideline
PASS
VA residual income
VA Circular 26-19
PASS

Pricing

Plans for every stage of your practice.

Start free. No credit card required.

Not ready to sign up yet? View a sample strategy report. No account required.

Free
$0/mo
For evaluating the platform
Get started
Starter
$60/mo
For individual brokers
Start free trial
Team
$180/mo
For teams & high volume
Contact sales
Reports
5/mo
50/mo
Unlimited
Loan programs
All
All
All
Scenario engine
Basic
Full
Full
Wealth simulator
Branded PDFs
Custom branding
Secure sharing
Borrowers
3
Unlimited
Unlimited
Team workspace
Client portal
Shared borrowers
AI insights
Basic
Advanced
Advanced