Every home in your ZIPs is scored on how likely it is to move, refinance or borrow in the next year — tenure, equity, the rate they’re locked into, a sale next door. You get the short list with the reason behind each name, the owner’s number, and one screen to mail, text and call. The agent still gets the listing. You get the loan.
The deed book shows who has a 2021 rate, 40% equity and eight years in the house. Nobody is marketing to them, because nobody reads it.
Each step works because the one before it did.
Every home in the ZIPs you pick gets a score from 1 to 100 from thirty-four property-file signals. Long tenure, real equity and a rate the owner will never see again all count.
The homes worth a call this week, ranked, with the reason each one moved: a neighbour just sold, an owner moved out, an equity position that makes a refinance or a purchase the obvious next step.
Postcards from $0.89 a card with postage included, newsletters, calls and email, all from the lead. Your branding, your NMLS line, every time. Compliance sees one template, approved once.
Upload your fee sheet from a CSV, a photo of your printed rate card, or type the lines in. It feeds every refinance estimate you put in front of a borrower, and, when you say so, the net sheets your agent and title partners run. Their sheets come back to you the same way.
Home value and new loan in; origination, appraisal, credit, flood, recording and the title side out, added up to cash to or from the borrower.
Your partners pull your refinance sheet into their net sheets; you pull their commission and title sheets into yours. A toggle per sheet, nothing shared until you flip it.
In a partner group your logo, name, NMLS and phone ride in the agent’s postcards and newsletters. The agent switches it on and off from their side.
An agent holds the ZIPs. You join the same account as a full user with your own login and your own $99-a-month subscription — the same seat price the agent pays. Same ground, same leads, your own dashboard. Nobody pays for anyone else’s seat, which is what keeps it clean under RESPA Section 8.
Age, familial status, disability, marital status, race, national origin, or any proxy for them. Those fields exist in the file. We leave them there, and the score never sees them. Every signal we use is drawn from the property file, and every lead comes with the reason it is on the list.
Every piece carries your NMLS line and your company’s disclosures. Load your templates once; nothing goes out you haven’t approved.
You’re working the same list from the lender side. They get the listing; you get the loan. Most LOs start inside an agent’s account for exactly that reason.
No. Trigger leads tell you someone pulled credit yesterday, and sold it to five other LOs. This tells you who has the equity and tenure to need a loan this year, before anyone pulls anything.
Ours is assessed and market value against the recorded lien. Every number is on file, dated.
We flag them. Your compliance counsel decides what you may send. The flag is a fact from the record, not a recommendation.
Same plans as the real estate side: seats, ZIPs and scored leads at every tier. Priced by the plan, not the lead. Starter and Pro are billed every 3 months. Cancel from your dashboard.
Not sure? Show me my market first →
White Label — your brand, your domain — is $2,499 a month with a $4,499 setup, by consultation. Working with an agent already? Set up a partner group: each of you holds your own $99 seat on the same ground, nobody pays for anyone else’s.
Before you pay anything: how many homes we hold in your ZIPs, how many carry long tenure and real equity, and how the score runs there.
Rather talk first? Contact us. Nothing is billed until you say so.