Comparison

Qualifier Plus IIIx/fx vs Encompass LO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Qualifier Plus IIIx/fx

This app provides advanced real estate and mortgage finance calculations for professionals. It offers instant solutions for loan payments, buyer qualifying, cash flow analysis, and more, directly on your mobile device.

Highlights
  • Instant loan payment calculations (P&I, PITI)
  • Buyer qualifying for conventional, FHA, and VA loans
  • Complete cash flow solutions (IRR, NPV, NFV)
  • Amortization schedules with remaining balances
  • Bi-weekly loans and ARMS calculations
  • Rent vs. Buy comparisons
  • Date Math function
Features
Currently charting
Read full description

Two in one: the official Qualifier Plus® IIIx from Calculated Industries for your iPhone and iPad includes two models: #3415 and #3430 (Qualifier Plus IIIfx). And while perhaps obvious, if you change from an iOS device to a non-iOS device, you WILL need to buy a new license as they are incompatible. Advanced Residential and Commercial Mortgage Finance Calculator for Agents, Brokers, Investors, Attorneys, Loan Officers and other Mortgage Industry Professionals The Qualifier Plus® IIIx app from Calculated Industries gives real estate and mortgage professionals the power, portability and ease-of-use of the Qualifier Plus IIIx and Qualifier Plus IIIfx on your iPhone or iPad. Get instant access to P&I, PITI and total loan payments for conventional, FHA and VA loans. Includes complete buyer qualifying and more. Ideal for all real estate finance professionals including agents, brokers, investors, mortgage lenders, title offices and trainers. Need answers to both common and advanced real estate finance problems? Just pull out your iPhone or iPad, tap on the Qualifier Plus icon, and you’ll have the answers for your client in seconds. • Complete Cash Flow solutions including Internal Rate of Return, Net Present Value and Net Future Value • Qualifying keys provide on-the-spot buyer qualifying for conventional, FHA and VA loans • Instantly solve your clients’ real estate finance questions • E-mail loan worksheets to your clients from your iPhone Built-in functions help you find instant solutions for: • Calculate IRR for multiple cash flows • Amortizations with remaining balances • Bi-weekly loans and ARMS • Rent vs. Buy comparisons and estimated tax savings • Future Value, property appreciation FEATURES: • Created by Calculated Industries, the originator of the Real Estate Master and Qualifier Plus Real Estate and mortgage calculators • Amortization screen lets you see all amortization or loan data at once and e-mail it directly from the app screen on your phone • Built-in help – just press and hold the desired key for full, clear definitions, explanations and examples of keystrokes Time-saving Utilities Include: • Date Math function lets you instantly see closing and expire dates • Triple Zero key saves time and keystrokes • Memory Function • User-Definable Preferences — define and store payments per year, taxes and insurance Special Functions: • Entry-editing backspace key – with a swipe of a finger • Works as a standard calculator • Free User Guide available at www.calculated.com SUBSCRIPTION INFORMATION: The first 7 days are free. Subscriptions offered will automatically renew at the end of the chosen period. Payment will be charged to your Apple account upon purchase confirmation. The subscription will automatically renew unless auto-renew is turned off or subscription is canceled in settings at least one day (24-hours) before the subscription period ends. You can manage your subscription and turn off auto-renewal in your Apple account Settings > Account (Apple ID) > Subscriptions. TRADEMARKS: Qualifer Plus® is a registered trademark of Calculated Industries, Inc.

About

Encompass LO

This app provides mortgage loan officers with tools for lead management, loan origination, and secure communication. It allows users to manage leads, convert them to loans, track their pipeline, and eSign documents remotely to drive sales and assist borrowers.

Highlights
  • Lead management
  • Loan origination tools
  • Secure communication
  • Loan pipeline management
  • eSign documents
  • Remote work capabilities
Features
Read full description

The Encompass app by ICE Mortgage Technology enables mortgage loan officers to stay ahead of the competition by providing them with powerful lead management, loan origination and communication tools at their fingertips all within Encompass experience they’re familiar with. Using the Encompass app, loan officers can efficiently and securely manage leads, convert leads to loans, manage their loan pipeline, and eSign documents from anywhere at any time. By enabling loan officers to work from anywhere the Encompass app aims to help them do more of what they do best – drive sales and help borrowers get the home financing they need.

Screenshots

Qualifier Plus IIIx/fx4 screens
Encompass LO2 screens

Verdict

The call

The clearest difference is review sentiment: Qualifier Plus IIIx/fx at 89% against Encompass LO's 0%. Qualifier Plus IIIx/fx also leads on rating (4.9 vs 4.5) and ratings volume (3.5K vs 4). Encompass LO's advantage is in-app purchases (none vs 2) and update cadence (every 2 months vs every 10 months). On price and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Qualifier Plus IIIx/fx sells 2 in-app purchases, starting at $5.99 per month. Encompass LO asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Qualifier Plus IIIx/fx holds the better App Store score, 4.9 against 4.5. That said, the two scores are not equally well evidenced: Qualifier Plus IIIx/fx has 3.5K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 89% of Qualifier Plus IIIx/fx's written reviews are positive against 0% of Encompass LO's.

UpkeepUpdate frequency

Qualifier Plus IIIx/fx ships an update every 10 months, Encompass LO every 2 months. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

Scorecard9 real differences · 2 level
Qualifier Plus IIIx/fx versus Encompass LO: the parameters behind the verdict, then further details
ParameterQualifier Plus IIIx/fxEncompass LO
PriceFreeFree
Rating4.9 (3.5K ratings) — better4.5 (4 ratings)
Positive reviews89.2% of reviews — better0.0% of reviews
Number of ratings3.5K — better4
Update frequencyEvery 10 monthsEvery 2 months — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationSubscriptionFree — better
Best chart rank#161 — better—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better18.0
Further details — not scored
Size28 MB64 MB
Age rating12+17+
DeveloperCalculated IndustriesIntercontinentalExchange, Inc

Customer experience

Qualifier Plus IIIx/fx

All ratings3,489 ratings
Positive98.5%
Neutral0.6%
Negative1.0%
Written reviews74 reviews
Positive89.2%
Neutral1.4%
Negative9.5%

Encompass LO

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

Bugs and requests

Qualifier Plus IIIx/fx

Reported bugs

2 issues
  • Numbers not saving or changing
  • Compatibility issues with newer devices

Requested features

3 requests
  • Dark mode option
  • Basic free version
  • Improved user guide and documentation

Encompass LO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Qualifier Plus IIIx/fx

Subscriptions2
  • 1 Month Full Access7 Days trial$5.991 Month
  • 1 Year Full Access7 Days trial$29.991 Year
None

Encompass LO

No in-app purchases

Questions

Is Qualifier Plus IIIx/fx free?
Qualifier Plus IIIx/fx is free to download, with in-app purchases available.
Is Encompass LO free?
Encompass LO is free to download, with no in-app purchases.
Which has better reviews, Qualifier Plus IIIx/fx or Encompass LO?
Qualifier Plus IIIx/fx is rated higher. Qualifier Plus IIIx/fx averages 4.9 out of 5 from 3.5K ratings, while Encompass LO averages 4.5 from 4 ratings.
Do Qualifier Plus IIIx/fx or Encompass LO have ads?
Neither Qualifier Plus IIIx/fx nor Encompass LO shows ads.
Which is updated more often, Qualifier Plus IIIx/fx or Encompass LO?
Qualifier Plus IIIx/fx ships an update every 10 months, and Encompass LO every 2 months. Most recently, Qualifier Plus IIIx/fx was updated on October 29, 2026 and Encompass LO on October 28, 2026.

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