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The Engine

Every moment that wins a loan.
Automated.

Rate intelligence, speed-to-lead, opportunity detection, pipeline sync, and referral management — running quietly in the background while you close.

8
Smart Alerts — real mortgage triggers
50
Email packs across 9 categories
~1min
Automated SMS on new lead
FRED
Daily rate monitoring (30yr + 15yr)
Encompass
LOS milestones synced via webhook
LO signoff
Every LOS milestone approval-gated
Smart Alerts

The moments your pipeline hands you money.

Eight triggers run every day against rates, equity, and client anniversaries. When any of them crosses the line that creates an opportunity, the engine drafts the email from your template, runs the math, and queues it for the next send window.

01
Rate Drop
Market rate falls below the client's current rate enough to save them money.
02
Equity Review
Client crosses an LTV threshold (80%, 75%, 70%, 60%).
03
HELOC Opportunity
Equity milestone hit on a client who fits the HELOC profile.
04
Market Update
City-level market shift worth surfacing to the book of business.
05
Anniversary
Fires on each loan anniversary with a personalized check-in.
06
6-Month Check-In
Post-close relationship touch at the 6-month mark.
07
2-Year Seasoning
Seasoning milestone — surfaces refi candidates at 2 years.
08
ARM Horizon
365, 180, and 90 days before an ARM rate reset.
{{calculations}}

Real mortgage math, rendered at send time.

Every Smart Alert template has a calculation block that fills itself at send time from the client's actual loan. Not "rates are moving, call us." Their rate. Today's rate. The dollars. The payoff impact.

You write the voice around it once. The engine fills the numbers for every client the trigger touches — personalized, accurate, and mortgage-literate.

From: You  ·  To: Jane Patterson
Quick note — your rate vs. today's market
Hi Jane,

Market rates moved this week and I ran the numbers on your loan — wanted to share what it would look like if we refinanced today.
Your current rate
6.75%
Today's market rate
6.00%
Monthly savings
$243
Lifetime savings
$87,480
Break-even
14 months
Worth a 10-minute call to run a full comparison?
You own the template. The engine owns the send. Every alert fills with the client's own loan data — never a generic "rates dropped, call us" blast.
Speed-to-Lead

Inside the window that wins the deal.

A new inquiry lands. Before you've even seen the notification, the acknowledgment email has already gone out and an SMS is queued to follow 75 seconds later. If you reply first, the SMS cancels itself — no duplicate outreach.

0s
Inquiry received
~seconds
Email delivered
75s
SMS delivered
On reply
SMS self-cancels
Lead Response Management study (Oldroyd, 2011): inquiries contacted within 5 minutes are ~100× more likely to be reached — and 21× more likely to qualify — than those contacted after 30 minutes. Both automated touches land well inside that window.
Pipeline + LOS

Encompass, on your terms.

Milestone events stream from Encompass via webhook. The engine translates every event — application received, docs uploaded, UW approved, clear to close — into a borrower or realtor update, then waits for your signoff before anything leaves the building.

Source
Encompass
Webhook intake
Process
Milestone translation
Every 2–5 min
Gate
Your approval queue
You signoff before sending
Delivered
Borrower + Realtor
Personalized update
Full pipeline visibility — pre-approval through close
Stuck file detection with days-in-stage tracking
Automatic milestone-to-email translation
LO approval queue for every LOS milestone
Realtor co-management on purchase deals
Bounce and complaint suppression built in
Deliverability

Volume without the reputation cost.

The engine isn't just firing triggers — it's protecting the inbox those triggers land in. Warmup, pacing, timezone awareness, and database-level dedup are built into every send so your domain doesn't pay the price for scale.

20 → 200 / day
Automatic sender warmup
New accounts ramp from 20 to 200 emails per day over two weeks — the same practice professional email platforms use to build a clean sender reputation before volume hits.
5-min spacing
Natural send pacing
Triggered alerts queue at 5-minute intervals instead of firing in a single 9 AM blast. Lands throughout the day like a human sent them — and stays under hourly deliverability thresholds.
Timezone-aware
Send windows you control
Every user sets their own daily send window and IANA timezone. Weekend blackout is a toggle. Queued sends wait for the next valid window — no 2 AM emails, ever.
Database-level dedup
Can't double-email a client
Unique constraints on the scheduled-sends table prevent the same alert from queuing twice for the same client. It's not a promise — it's enforced at the database layer.
And the rest

A full operating system, not a feature list.

What's underneath the three headline systems — the library, the data, the dashboards, and the integrations that make the rest of it work.

Email Pack Library
50 packs across 9 categories: lead conversion, application conversion, purchase pipeline, refinance campaigns, past client retention, realtor relationship, database nurture, life events, and seasonal.
Rate Intelligence
Daily automated fetch from the FRED API for 30-year and 15-year rates. Every Smart Alert and email calculation runs on the same source of truth.
Equity Monitoring
Daily LTV calculation per client. Crossings of 80%, 75%, 70%, and 60% fire the Equity Review and HELOC Opportunity alerts automatically.
Dashboard
Who-to-call list, pending follow-ups, speed-to-lead metrics, Smart Alert activity feed, high-value borrower identification — the first screen of every day.
Realtor Management
Referral partner hub with pairing, co-branded sends, listing import, and relationship tracking. Agents are partners, not just contacts.
Engagement Tracking
Open, click, and reply tracking via webhook. The moment a borrower replies, the sequence cancels itself — you're never stepping on a real conversation with an automated follow-up.
Purchase Pipeline
Pre-approval through close, stage by stage: new intake, pre-approved, shopping, under contract, in escrow, closing. Days-in-stage tracked. Stuck deals flagged before they go cold.
Pre-Approval Tracking
Every pre-approval letter versioned — type, amount, rate, expiration. Nothing falls through the cracks when a buyer's letter is about to age out mid-offer.
Team Roles
Multi-tenant by design. Scoped access for loan officers, processors, assistants, and admins. Every record is owned and permissioned.
Bulk Import
Bring your book in without rebuilding it. CSV and Excel uploads auto-map to contact, property, and loan fields — your existing book is live in minutes, not weeks.
CSV Export
Your data is yours. Full export on demand — clients, pipeline, engagement, activity — in clean, portable files.
Suppression + Compliance
Bounces, complaints, and unsubscribes register automatically via webhook. Once a contact suppresses, they're blocked across every future campaign — no manual cleanup, no crossed wires.

See the engine
running your pipeline.

A 20-minute walkthrough against your real book of business.

Book a Demo