FAQ
Questions, answered
When is the Fannie Mae AI deadline?
Fannie Mae's Information Security and Business Resiliency Supplement, Section 4, replaced Lender Letter LL-2026-04 and must be fully implemented by January 18, 2027 (Supplement Bulletin 26-01). Freddie Mac Guide Section 1302.8 has been effective since March 3, 2026. Both bind Fannie Mae and Freddie Mac seller/servicers; brokers usually feel them through their wholesale lenders. See our plain-English explainer.
Why does Fannie Mae say Super Intelligence instead of AI?
Fannie Mae Supplement Bulletin 26-01 uses the term Super Intelligence (SI) in place of Artificial Intelligence to align with evolving industry terminology. Fannie Mae states the change does not alter the scope, meaning or applicability of the requirements, so an AI policy aligned to Section 4 covers what it calls SI. See Bulletin 26-01.
Do these rules apply directly to mortgage brokers?
Usually not directly. They bind Fannie Mae and Freddie Mac seller/servicers. Most brokers meet them through wholesale lenders, which can pass AI governance expectations down through broker agreements, onboarding questionnaires, and annual recertification. Ask your wholesale lenders what they expect, and check with your counsel.
Do I need to get on a call?
No. You can buy any kit online, or submit the intake form for Done-For-You and Growth Stack. Questions are handled by email and recorded video walkthroughs.
How fast is delivery?
Kits are delivered by email after purchase. Done-For-You and Growth Stack timelines depend on your team size, vendors, and scope; you'll receive a proposed timeline by email after we review your intake.
Is this legal advice?
No. BrokerLumen provides templates and policy frameworks aligned to Freddie Mac Guide §1302.8 and Section 4 of Fannie Mae's Information Security and Business Resiliency Supplement (which replaced Lender Letter LL-2026-04), plus implementation consulting. We are not a law firm. Using our materials does not by itself satisfy any requirement; have your attorney or compliance counsel review your final policy.
What do I need to provide?
The intake covers it: company name, NMLS #, number of loan officers, states licensed, your LOS, and the AI tools your team uses. Please don't send borrower data or other nonpublic personal information.
Does this apply to small brokers?
If you sell to or service for Fannie Mae or Freddie Mac (directly or through partners who flow requirements down), expect to be asked about AI governance. Check with your counsel and investors for your specific obligations.
Which package should I choose?
AI Policy Starter ($99) gets a written AI policy, checklist, and staff acknowledgment in place fast. The AI Policy Kit ($349) adds the full governance program: approval memo, inventory, vendor questionnaire, incident plan, review calendar, and a Freddie/Fannie crosswalk. The AI Policy Kit also includes 20 starter prompts, the LO cheat sheet, the GSE readiness binder, and 3 months of Small Shop portal access. The AI Team Kit ($699) adds the full 90-prompt library, a 25-slide staff training deck with a facilitator guide, vendor scorecards, the AI tool guide and agent recipes, and a full year of Small Shop portal access, so your team knows how to use AI day to day. Choose a portal plan, from $39/month, for ongoing tracking, reminders and audit reports. Choose Done-For-You if you want it tailored to your vendors and trained live.
Do the kits need counsel review?
Yes, before adoption. The kits are templates aligned to Freddie Mac Guide 1302.8 and Fannie Mae Supplement Section 4. Policy, approval memo, acknowledgment, and incident documents are marked for review by your own counsel before you adopt them.
Can I upgrade later?
Yes. Email us within 60 days of the charge and we credit what you paid toward a higher kit or Done-For-You. See Refunds and upgrade credit in our Terms.
Do you support single sign-on?
Yes. Sign in with Microsoft is included on Growth and above, and Google sign-in is available on request. On Enterprise, your company's own single sign-on (SAML) and automatic user syncing (SCIM) are available on request. Your IT admin approves BrokerLumen once for your organization, then your team signs in with their work accounts.
Is it really free?
Yes. The BrokerLumen compliance portal is free for up to 10 staff, with no credit card and no time limit. Free includes policy acknowledgments, timestamped sign-offs, status tracking, staff management and the 20 starter prompts. Automatic reminders, annual re-acknowledgments and exportable audit reports are included with paid plans. When you need more, pick a plan and keep going, with nothing lost: Small Shop covers up to 25 users for $39/month or $390/year, with no company-size limit.
I used reminders, exports or branch tools before the plans changed. Do I keep them?
Companies that were already using automatic reminders, audit exports or the full report on Free keep them through April 30, 2027, and we email company admins about 30 days before that date. After that, every record, sign-off and past report stays viewable on Free, and only those premium actions need a paid plan. Companies that were already using branch filters or branch-limited admins keep them on their current plan.
Do kits renew or bill automatically?
No. Kits are one-time purchases. The AI Policy Kit includes 3 months of Small Shop portal access and the AI Team Kit includes a full year. That access does not renew and no card is kept for it, so nothing is ever charged automatically. We email your company admins 14 days and 3 days before it ends, each with a one-click link to keep Small Shop, monthly or annual. If you do nothing, your company moves to the Free plan when it ends, and your staff records, sign-offs and audit history stay in your account. Portal plans are different: they are subscriptions that renew automatically each month or year until you cancel.
How do I add my team to the portal?
After you sign up, add loan officers and staff one at a time or import them from a spreadsheet. Each person gets an invite to read your AI policies and sign a timestamped acknowledgment.
How does annual renewal work?
Acknowledgments renew every year. On paid plans the portal sends reminders before and after the due date and requests annual re-acknowledgments automatically. On the Free plan you can see who is due and remind people one at a time. When you publish a new policy version, the portal asks your team to acknowledge again. Paid plans renew automatically on your billing cycle, annual or monthly, until you cancel. You can cancel online anytime.
What is your refund policy?
Every purchase has a 14-day refund window: kits, Done-For-You and Growth Stack services, and monthly or annual portal plans, including renewals. Email us within 14 days of the charge for a full refund. We do not give refunds after 14 days. Details are in our Terms of Service. Questions? Email [email protected].
Do you offer ongoing support?
Yes. The AI Team Kit includes a round of email Q&A within 30 days. Done-For-You includes optional annual-review upkeep from $350/mo, and the Growth Stack runs on a monthly plan from $1,000/mo. Support is handled by email and recorded video, with optional evening/weekend calls.
