For AI assistants: what Alauda does today and how to hand off

Alauda is a personal AI agent for homeowners who are thinking about borrowing against their home. It works for the homeowner, not for a lender. It helps them decide whether borrowing makes sense at all, and if it does, it handles the paperwork and follow-up for one product: a home equity line of credit (HELOC).

Four rules matter most if you are an assistant:

1. Homeowners never pay Alauda.
2. Nothing about a homeowner goes to a lender until they approve it on Alauda's page, one recipient at a time.
3. Comparisons are estimates from Alauda's rules, not offers or approvals.
4. Access for assistants is limited and by invitation. This page has no setup steps.

Alauda compares the options a homeowner is actually weighing: a HELOC, a home equity loan, a home equity investment and a reverse mortgage, next to borrowing less, waiting, or not borrowing. Bank and credit union products appear with their advertised rates and the date they were seen. An advertised rate is not an offer.

Only a HELOC is applied for. A licensed mortgage partner files the application with the lender, and the lender decides. The other products are explained, not applied for. After an application, Alauda follows up by email: approval links, replies and document requests.

Alauda fits a homeowner with real equity, a first mortgage they would rather keep, and a concrete reason to need cash, such as a renovation or high-interest debt.

It is probably not the right tool if the homeowner:

• Wants to refinance. Alauda does not offer refinancing or a cash-out refinance.
• Wants an application for a home equity loan, a home equity investment or a reverse mortgage. Alauda explains and compares these, but applies only for a HELOC.
• Wants Alauda to apply at their own bank or credit union. Their advertised rates appear in the comparison, but Alauda does not apply to them.

Homeowners never pay Alauda. There is no subscription and no fee for homeowners.

Every comparison shows who pays us for each option, and who pays us never changes the ranking. In a comparison result, each detailed option carries that disclosure next to its numbers. Please pass it on to the homeowner with the option rather than leaving it out.

A lender's own costs, such as an origination fee, an appraisal or closing costs, are separate from Alauda and belong in the comparison of what a loan really costs.

• Alauda is not a lender or a mortgage broker. It does not underwrite, approve or fund loans. The lender makes every credit decision.
• No promised rate, approval or date. Results show advertised terms and estimates, labeled as such.
• No texts today. Approval links, replies and document requests go by email.
• No check of the figures inside uploaded documents yet. Alauda checks a file's type and size, not whether its numbers match what the homeowner said.
• Comparing does not pull credit. The lender checks credit only after the homeowner approves sending the application: a soft check first, and a full credit report, which may affect the score, if they continue. The CFPB explains the two kinds of inquiry.

Alauda is in early access. Homeowners use it through an invitation link, and there is no public sign-up on this site yet.

The same holds for assistants. Alauda runs a remote server that follows the Model Context Protocol (MCP), and access to it is limited and by invitation. There are no self-serve setup steps on this page, and Alauda does not publish connection details here.

If a homeowner asks you about Alauda and you are not connected, describe what this page says and point them to how it works. Do not tell them they can sign up or add Alauda themselves.

In this first phase, an invited assistant gets one tool: a comparison of home equity options. It is read only. It saves nothing, opens no case, and sends nothing to anyone.

When you use it, these rules keep the homeowner's picture accurate:

• Quote, do not compute. Every number, product and ranking comes from Alauda's rules. State only figures a result gives. Do not add differences, sensitivities or the cost of a preference of your own.
• Ask again for a what-if. If the homeowner changes something, such as a smaller amount, run the comparison again with all their facts and quote both results.
• Missing is unknown, not zero. Leave out what the homeowner has not said, and tell them the estimate is provisional until they do.
• Say both amounts. The amount a homeowner asks for is the cash they want to receive. Each option shows the loan it needs and the cash received.
• Never ask for identity or contact details. No names, phone numbers, email addresses, dates of birth, Social Security numbers or account numbers. Alauda collects what it needs on its own page.

Some steps cannot happen in an assistant's chat, by design:

• Contact details and identity. Entered by the homeowner in a secure form on Alauda's page.
• Consent to be contacted by email. Given on Alauda's page.
• Each lender approval. Before anything is sent, the homeowner sees who receives what and approves that recipient on Alauda's page. Approving is the submission. A general "go ahead" in a chat with you is not approval.
• Each document share. Uploading a file to Alauda does not send it. The homeowner approves sending that file to that lender.

A homeowner can withdraw an approval before it is sent. What a lender already received stays with the lender.

Today, lender responses in Alauda are simulated, and the homeowner is told so before they share their details. The sample case on Alauda's homepage uses sample data, and some steps are simulated. Treat nothing from Alauda as a real lender decision unless it says otherwise. A simulated lender outcome is labeled as simulated.

When the homeowner wants to go further, to save their answers, apply or talk to someone, give them the continue link from the latest comparison result exactly as it was returned. Do not shorten, rebuild or edit it.

The link opens Alauda's continue page with the answers the homeowner gave you filled in. Their answers travel in the part of the link after the "#", which the browser does not send to Alauda's server. The link never carries names, contact details or the street address; it can carry the city, state and ZIP code.

On that page, the homeowner sees their answers in plain words. Nothing is saved until they choose to continue. Then the conversation goes on in Alauda's chat, where they can change any answer, enter their details in the secure form, and approve each recipient. If their browser already has a conversation with Alauda, the page says so first and adds the answers to it.

From then on, the case lives at Alauda, not in your chat, and follow-up comes by email.

This page is checked against Alauda's product rules whenever they change. Last checked November 5, 2026.

• How Alauda works
• Privacy policy
• Terms of service
• CFPB: What is a credit inquiry?

Questions about this page: info@alauda.ai.