# Qualifier Plus IIIx/fx vs Encompass LO

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.

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.

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.

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.

## The numbers

| Metric | Qualifier Plus IIIx/fx | Encompass LO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (3.5K ratings)](https://appshunter.io/ios/app/qualifier-plus-iiixfx/id398253583/reviews)** | [4.5 (4 ratings)](https://appshunter.io/ios/app/encompass-lo/id6738355640/reviews) |
| Number of ratings | **3.5K** | 4 |
| Positive reviews | **89.2% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 10 months | **Every 2 months** |
| Monetization | Subscription | **Free** |
| Best chart rank | **#158** | — |
| Size | 28 MB | 64 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 12+ | 17+ |
| Developer | [Calculated Industries](https://appshunter.io/developer/370406449) | [IntercontinentalExchange, Inc](https://appshunter.io/developer/394677843) |

## What reviewers say

### Qualifier Plus IIIx/fx

[App page](https://appshunter.io/ios/app/qualifier-plus-iiixfx/id398253583)

**Currently charting:** #158 Top Grossing · Finance (US App Store)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Full Access | $5.99 | per month |
| 1 Year Full Access | $29.99 | per year |

**What reviewers like**

- 🚀 Convenient and portable
- 👍 Powerful and feature-rich
- 💡 Helpful for real estate professionals
- 👍 Familiar interface for existing users
- 💡 Email integration for sharing calculations

**What reviewers complain about**

- 💰 Subscription model is frustrating
- 🐛 Occasional bugs and glitches
- 💰 Perceived as greedy by developers
- 🔒 Requires in-app purchase to use

**Reported bugs**

- Numbers not saving or changing
- Compatibility issues with newer devices

**Requested features**

- Dark mode option
- Basic free version
- Improved user guide and documentation


### Encompass LO

[App page](https://appshunter.io/ios/app/encompass-lo/id6738355640)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*