What is YARBIS?

YARBIS is a platform that helps mortgage and real estate professionals — and the people they work with — move faster through the parts of a home purchase that usually take the longest: reviewing bank statements and credit reports, checking that they are genuine, diagnosing whether a buyer actually qualifies, and generating the paperwork a loan file needs, like Letters of Explanation.

Who is YARBIS for?

Four groups, each with its own subscription: buyers checking their own credit and purchasing power (Borrower's Discovery), real estate agents, Realtors who want document upload and analysis on top of the base agent tools (Realtors PRO), and mortgage loan officers who need to issue LOEs, AUS results, and MISMO files (Lender).

How do I create an account?

Sign up from the pricing page and choose the subscription that matches what you do. Borrower's Discovery and the base Real Estate Agent tier activate immediately after signup. Realtors PRO and the Lender subscription require a short verification step before full access unlocks — see the Professional Verification section below.

Is there a free trial or a way to try it before subscribing?

Borrower's Discovery is priced per week specifically so a borrower can try a single diagnostic without committing to a monthly plan. For the professional tiers, check the pricing page for the current offer — trial terms can change, and the page there is always the source of truth.

What subscription tiers does YARBIS offer?

Borrower's Discovery at $9/week for individual buyers; Real Estate Agent at $39/month; Realtors PRO at $59/month; Lender (Loan Officer) at $79/month; and per-seat pricing for brokerages and lending institutions that need multiple users under one account. Full, current pricing is always on the pricing page.

What's the difference between Real Estate Agent and Realtors PRO?

Both give you the tools to diagnose a buyer's purchasing power before you show a home. Realtors PRO adds document upload and analysis — the ability to have YARBIS review a buyer's bank statements and credit report directly, rather than working from what the buyer tells you.

What does the Lender (Loan Officer) subscription include?

Everything in the diagnostic and document-review layer, plus the ability to issue Letters of Explanation, generate AUS results, and produce MISMO-formatted files — the pieces of a loan file that usually take the most manual back-and-forth.

What is Borrower's Discovery, and who is it for?

It's the consumer-facing product: a buyer checks their own credit and financial scenario before ever contacting an agent or a lender, so they know roughly where they stand. It's priced per week of access rather than monthly, since most buyers use it around a specific home search rather than continuously.

Are there plans for brokerages or lending institutions with multiple users?

Yes — corporate and brokerage pricing is per seat, structured for teams rather than individual professionals. Reach out through the Contact page for current per-seat terms.

Can I switch tiers later?

Yes. You can upgrade from Real Estate Agent to Realtors PRO, or add the Lender tier, at any point — upgrading into a verified tier (Realtors PRO or Lender) triggers the same verification step a new signup would go through.

Why does YARBIS verify some subscriptions and not others?

Two of YARBIS's subscriptions carry a professional designation that isn't self-declared: “Realtor” is a trademarked title that only active NAR members may use, and issuing AUS results or MISMO files as a loan officer requires an active NMLS license under federal and state law. YARBIS verifies both before granting full access, the same way the associations and regulators that own those designations require. The base Real Estate Agent and Borrower's Discovery tiers don't carry a protected professional title, so they don't require this step.

How does NMLS verification work for the Lender subscription?

During signup, you provide your NMLS unique identifier. YARBIS checks it against the NMLS public registry (NMLS Consumer Access) to confirm the license is active and in good standing before activating the Lender tier's full feature set.

How does NAR verification work for the Realtors PRO subscription?

You provide your NAR membership information at signup, and YARBIS confirms active membership before unlocking Realtors PRO. If your membership lapses, your account can activate on the base Real Estate Agent tier instead, since that tier doesn't depend on the NAR designation.

How long does verification take?

Most verifications complete quickly since they’re checked against a public registry, but exact turnaround can vary — you’ll get an email as soon as your account clears and full access unlocks. If verification is taking longer than expected, reach out through the Contact page.

What happens if my license lapses or I lose my NAR membership after I've subscribed?

Consistent with YARBIS’s published eligibility terms, a lapsed NMLS license or NAR membership can result in the affected features being paused until the credential is reinstated — YARBIS aims to give advance notice where feasible before this happens. See the Legal Framework for the full eligibility and licensing terms.

Do I need any license or NAR membership for the base Real Estate Agent tier?

No — the base tier is open to any real estate agent without a separate credential check at signup. It's built for the diagnostic and buyer-qualification tools that don't depend on a protected professional title.

What if I'm a licensed agent but not a NAR member — can I still use YARBIS?

Yes. You can subscribe to the base Real Estate Agent tier with your work fully supported. The “PRO” designation and its document upload and analysis features are specifically tied to NAR's Realtor trademark, so that layer is reserved for verified NAR members — but everything else on the platform is available either way.

What does Borrower's Discovery actually do?

It walks you through a short diagnostic of your financial picture and gives you a read on your likely purchasing power and credit scenario — the kind of assessment an agent or lender would normally do for you, available to you directly before you reach out to either one.

Does using Borrower's Discovery affect my credit score?

Borrower’s Discovery is a self-reported diagnostic tool, not a hard credit pull by a lender — see the Legal Framework’s Consumer & Business Privacy Policy for exactly what data is collected and how it’s used.

What happens to my information after I use Borrower's Discovery?

Your data is handled under the same retention and deletion protocols described in the Legal Framework and Technical Framework — YARBIS isn’t a permanent document repository, and no information tied to your file is retained past 90 days from the day it was opened.

Do I need an agent or lender to use Borrower's Discovery?

No. It's designed to be useful on its own, before you've chosen either — many borrowers use it as a first step, then bring the results into a conversation with an agent or lender once they're ready.

What does the document upload and analysis feature do?

It lets you upload a buyer's bank statements and credit report directly and have YARBIS review them for inconsistencies and the numbers that actually matter for qualification, rather than relying on what a buyer tells you about their own finances. It also runs a forensic integrity review that returns a diagnosis (legitimate or false), a confidence percentage and scores on seven criteria. That review is evidence for the loan officer, not a legal finding.

How does YARBIS help me qualify a buyer faster?

By surfacing a buyer's real purchasing power before you show a single property — the goal is to catch a buyer who can't yet qualify before four showings in, not after.

What are LOEs, and how does YARBIS handle them?

Letters of Explanation are the documents a borrower or loan officer submits to explain a gap or irregularity in a financial file — inconsistent income, a credit inquiry, a large deposit. YARBIS's Lender subscription includes templates and e-signature routing for these, so they don't have to be drafted and routed manually each time.

What is AUS/MISMO issuance, and why does it matter?

AUS (Automated Underwriting System) results and MISMO-formatted files are standard outputs loan officers need to move a file through underwriting. YARBIS's Lender subscription generates them directly from the data already in the platform, instead of requiring a separate manual step.

How am I billed?

Borrower's Discovery is billed per week of access. Real Estate Agent, Realtors PRO, and Lender are billed monthly and renew automatically unless cancelled. Corporate and brokerage seats follow the terms agreed at signup.

Can I cancel anytime?

Yes — cancel from your account settings before your next renewal date to avoid being charged for the following period. See the Legal Framework’s subscription and billing terms for the specifics on renewal timing and refund eligibility.

What happens to my data if I cancel?

Your data is retained and purged under the same data lifecycle protocols described in the Technical Framework and Legal Framework, whether you’re a professional subscriber or a borrower — no information tied to a file is kept past 90 days from the day it was opened. You remain responsible for downloading and archiving anything you need before it’s removed.

How do I get help if something isn't working?

Reach out through the Contact page and select the reason closest to your issue — account and billing questions are routed differently from technical support requests, so choosing the right category gets you a faster answer.

How is my data protected?

Every subscriber’s data — borrower, agent, Realtor, or lender — runs on infrastructure with tenant-level isolation: a dedicated database per client, not a shared schema, backed by the security and privacy commitments in the Legal Framework.

How long does YARBIS keep my documents?

YARBIS isn’t a long-term archive: information tied to a file — borrower or professional — isn’t retained past 90 days from the day that file was opened. See the Legal Framework’s data lifecycle and retention terms for the full policy.

Where can I read the full legal and technical details?

The Legal Framework covers the Master Agreement, Data Processing Addendum, AI Governance & Fair Lending Policy, and Information Security Policy. The Technical Framework covers the infrastructure and security architecture behind all of it. Both are published on this site.