kitio.aiTRUE vs reAlpha
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. reAlpha is completely free, while TRUE is paid.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Loan file data extraction
- Income calculation
- Underwriting automation
- Condition clearing
- Compliance checks
- AI homebuying plan
- Paperwork in one place
- On-demand real estate experts
- Cash back at closing
- Mortgage and refinance
| Feature | TRUE | reAlpha |
|---|---|---|
| Best for | Enterprise AI that automates mortgage document work and loan data | AI-assisted homebuying platform with cash back at closing |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Free |
| Starting price | See pricing page | Free |
| Free plan | No | Yes, fully free |
| Made by | TRUE | reAlpha Tech Corp. |
| Based in | United States | United States |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
reAlpha is completely free, while TRUE is paid.
Free plan
Cheapest paid plan
Top plan
Free trial
Prices in USD, checked Oct 29, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
TRUE
- Built specifically for mortgage operations
- Fits behind existing systems
- Cuts manual document review
- Only for mortgage lending
- No public pricing
- Requires a sales demo
reAlpha
- Free account for buyers
- Rebate on buyer agent fees
- Mortgage options in the same place
- Only available in the US
- Cash back only for eligible buyers
- Site says little about how the AI works
Which one should you choose?
Choose TRUE if you want:
- Built specifically for mortgage operations
- Fits behind existing systems
- Cuts manual document review
Watch out: only for mortgage lending.
Choose reAlpha if you want:
- Free account for buyers
- Rebate on buyer agent fees
- Mortgage options in the same place
Watch out: only available in the us.
TRUE vs reAlpha FAQ
What is the difference between TRUE and reAlpha?
TRUE: Enterprise AI that automates mortgage document work and loan data. reAlpha: AI-assisted homebuying platform with cash back at closing. Both are legal, finance & hr tools.
Is TRUE or reAlpha cheaper?
reAlpha is completely free, while TRUE is paid.
Do TRUE and reAlpha have free plans?
TRUE: No. reAlpha: Yes, fully free.
Who makes TRUE?
TRUE is made by TRUE, based in United States.
Who makes reAlpha?
reAlpha is made by reAlpha Tech Corp., based in United States.
Which should I choose, TRUE or reAlpha?
Choose TRUE if you value built specifically for mortgage operations and fits behind existing systems. Choose reAlpha if you value free account for buyers and rebate on buyer agent fees.