# Total Expert vs TheRuleTool

The clearest difference is in-app purchases: Total Expert at none against TheRuleTool's 1. TheRuleTool's advantage is update cadence (every 4 days vs every 2 weeks) and iOS requirement (13.4 vs 15.1). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. TheRuleTool sells 1 in-app purchase, starting at $20.00 per month. Total Expert asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Total Expert against 5.0 for TheRuleTool. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

Total Expert ships an update every 2 weeks, TheRuleTool every 4 days. The most recent releases landed on September 16, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | Total Expert | TheRuleTool |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/total-expert/id6466641419/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/theruletool/id6605921466/reviews) |
| Number of ratings | 1 | 1 |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | **Free** | Subscription |
| Size | 98 MB | 46 MB |
| Requires iOS | 15.1 | **13.4** |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Total Expert, Inc.](https://appshunter.io/developer/1625479504) | [TAKE THREE TECHNOLOGIES, LLC](https://appshunter.io/developer/1448718285) |

## What reviewers say

### Total Expert

[App page](https://appshunter.io/ios/app/total-expert/id6466641419)

This app provides loan officers with a secure mobile platform for real-time SMS messaging, contact management, and task organization. It helps financial professionals build trust and grow relationships with borrowers through seamless communication and efficient workflow management, even when away from their desks.

**Highlights:** Real-time SMS messaging, Contact search, Task management, Note logging, Push notifications, Secure login with biometrics

**Features:** macOS Compatibility

**In-app purchases:** none


### TheRuleTool

[App page](https://appshunter.io/ios/app/theruletool/id6605921466)

Access instant mortgage guidelines from leading agencies like Fannie Mae and Freddie Mac. This AI-powered tool offers comprehensive guides and text support for mortgage professionals, ensuring you have the latest information for efficient and accurate processing.

**Highlights:** AI-powered guideline search, Comprehensive mortgage guides, Instant text message support, Daily expert updates, Support for multiple agencies

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Individual User Subscription | $20.00 | per month |


## Frequently asked questions

### Is Total Expert free?

Total Expert is free to download, with no in-app purchases.

### Is TheRuleTool free?

TheRuleTool is free to download, with in-app purchases available.

### Which has better reviews, Total Expert or TheRuleTool?

Total Expert and TheRuleTool are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Total Expert or TheRuleTool have ads?

Neither Total Expert nor TheRuleTool shows ads.

### Which is updated more often, Total Expert or TheRuleTool?

Total Expert ships an update every 2 weeks, and TheRuleTool every 4 days. Most recently, Total Expert was updated on September 16, 2026 and TheRuleTool on September 14, 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.*