UniversityAgent ONE vs Sphere for Borrowers
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UniversityAgent ONE
This app provides real estate professionals with city/county-specific closing cost calculations. Generate professional seller net sheets and buyer estimates quickly for clients. Offers a free plan for basic estimates and a premium subscription for advanced features.
- City/county specific closing costs
- Seller net sheets
- Buyer estimates
- Real estate professional tools
- Free plan available
- Premium subscription options
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UniversityAgent ONE is a city/county specific closing cost app that comes preloaded with calculations and closing costs for Real Estate professionals. Generate quick and professional seller net sheets and buyer estimates for your clients in just seconds. UniversityAgent ONE is jam-packed with features that are sure to wow your clients! ONE Premium subscription: Take the industry’s #1 Closing Cost app to the next level with ONE Premium! Here’s how it works: Getting started is simple. Download the ONE app now and sign up for a free 30-day trial. We have monthly and annual plans available. ONE Premium costs $0.99 per month (monthly plan) OR $9.99 per year (annual plan). Payment will be charged to your iTunes account at the confirmation of purchase. You can cancel any time during your 30-day free trial via the iTunes store settings and then you will not be charged. Further, plans automatically renew unless you turn off auto-renew in your iTunes account 24 hours before the end of your current subscription period. To learn more, check our terms of use http://palmagent.com/terms/. With ONE Premium you have: • After the 30 day free trial, payment will be charged to your iTunes Account corresponding to the plan chosen. • ONE Premium Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. • Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. • Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. If you’re not ready for unlimited access, you can still run buyer and seller estimates with the ONE free plan. All details are in our terms of use and privacy policy http://palmagent.com/privacy/ http://palmagent.com/terms/ Questions? Suggestions? You can speak to a real person at PalmAgent. Our trusty customer support team is just an email away --- simply write to support@palmagent.com Terms of Service: http://palmagent.com/terms/ Privacy Policy: http://palmagent.com/privacy/
Sphere for Borrowers
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Welcome to Sphere for Borrowers – Your Gateway to Homeownership! Sphere for Borrowers simplifies every step, putting the power to apply for a home loan right in your hands. With a smooth, secure, and user-friendly interface, we’re here to make your journey to homeownership fast and hassle-free. Why Choose Sphere for Borrowers? • Secure Document Uploads: Easily upload documents straight from your phone with our secure system, designed to protect your data. • Support Every Step of the Way: Get the guidance you need, right when you need it, with resources and support tailored to first-time and experienced borrowers alike. Whether you’re dreaming of your first home or your next one, Sphere for Borrowers is here to make it happen. Download now to get one step closer to owning the home of your dreams!
Screenshots
Verdict
The clearest difference is in-app purchases: Sphere for Borrowers at none against UniversityAgent ONE's 2. UniversityAgent ONE's advantage is ads (none vs shown). On price, update cadence, device support and iOS requirement 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
Both are free to download. UniversityAgent ONE sells 2 in-app purchases, starting at $0.99 per month. Sphere for Borrowers asks for nothing beyond the download.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.
| Parameter | UniversityAgent ONE | Sphere for Borrowers |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) — better | — |
| Number of ratings | 4 — better | — |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No — better | Yes |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 357 MB | 50 MB |
| Age rating | 9+ | 17+ |
| Developer | PalmAgent Software | Taygo Inc. |
In-app purchases
UniversityAgent ONE
- Monthly1 Month trial$0.991 Month
- Yearly1 Month trial$9.991 Year
Sphere for Borrowers
No in-app purchases
Questions
Is UniversityAgent ONE free?
Is Sphere for Borrowers free?
Do UniversityAgent ONE or Sphere for Borrowers have ads?
Which is updated more often, UniversityAgent ONE or Sphere for Borrowers?
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