Mortgage OS

The operating system for independent mortgage originators.

One system that replaces your CRM, dialer, LOS-adjacent nurture, compliance scanner, content engine, and rate-watch tool. Built for the solo LO doing 3–40 loans a month — and every team stacking on top.

Under-90-second AI first touch, 24/7
RESPA / TILA / ECOA / TCPA baked in
Plaid + VVOE + DocuSign in the flow
Rate-Watch reactivation for every past client
Partner Portal for realtors and title
10 verticals — each with its own Flo voice

See pricing Get a $397 Mortgage Audit

Retail LO commission on a $350k purchase ≈ $3,500–$5,000. Mortgage Pro breaks even at 1 extra deal every 8 months.

Try it — the widget your borrowers will see

Step 1 / 5

What kind of loan are you exploring?

The 8 things bleeding your book every month.

Every module in Mortgage OS solves one of these. If a problem isn't on this list, we don't build for it yet.

Problem #1

First-touch latency

Costs: $3–5k per lost deal ×30–60/mo

Fixed by Flo Inbox

Problem #2

Lead cost inflation

Costs: $15–30k/mo on mid-funnel waste

Fixed by Direct Lead Engine

Problem #3

Doc collection friction

Costs: $500–1,500 per file in LO time

Fixed by Doc Chaser

Problem #4

Compliance audit risk

Costs: $50k+ per violation

Fixed by Compliance Guard

Problem #5

Past-client retention

Costs: $2–5k per lost re-close

Fixed by Rate-Watch Reactivation

Problem #6

Realtor partner decay

Costs: 30–40% of purchase volume

Fixed by Partner Portal

Problem #7

FTHB nurture leak

Costs: 15–25% of potential book

Fixed by FTHB Drip

Problem #8

Content drought

Costs: Starves soft pipeline

Fixed by Flo Content Engine

Seven modules. One login. Zero 2 a.m. CRM work.

Buy the whole OS or enable modules one at a time. Every module is a shipped product — not a roadmap.

Module 1

Flo Inbox

AI First-Touch Desk

Every inbound lead gets a human-sounding text and email in under 90 seconds, 24/7. Qualifies loan type, FICO band, timeline, state. Scores A/B/C/D and drops on your phone with one tap to call.

Module 2

Direct Lead Engine

Own your funnel

Compliance-reviewed Meta and Google creatives per loan type per state. Public-record triggers: divorces, probates, FSBOs, 62-birthday pre-list. QR codes for open houses, embedded widget for partner sites.

Module 3

Doc Chaser

Full file in under 21 days

Per-loan-type checklist fires at first touch. Plaid for bank statements, The Work Number for VVOE, DocuSign for e-sigs. AI-written 48h nudges that sound human and don't violate TCPA.

Module 4

Compliance Guard

Every send scanned

RESPA §8, TILA LE-3-day + CD-3-day, ECOA AAN, TCPA consent log, SAFE NMLS stamp, HMDA/fair-lending export, GLBA encryption, state overlays (TX A6, CA/NY/FL/IL/OH/GA). Green ships. Yellow asks. Red blocks.

Module 5

Rate-Watch Reactivation

Pay zero for the next closing

Daily MBS monitor vs. every past client's quoted rate. Flo fires a message the moment their rate drops 25 bps. Typical book reactivates 1–3% per cycle — pure-margin closings off zero ad spend.

Module 6

Partner Portal

Keep realtors active without lifting a finger

Co-branded landing pages per agent. 60-second seller net-sheets. Buyer affordability calculators. Monthly market updates. Preferred-Partner drip for anyone sending 3+ deals.

Module 7

Flo Content Engine

Daily social + email, in your voice

Daily rate update to past clients. Weekly FTHB education post. Monthly rate-drop blast. Just-Closed celebration posts. Every piece scanned by Compliance Guard before it leaves the queue.

Ten verticals. Ten different Flo voices.

A generic CRM treats every lead like a row. Mortgage is ten different businesses in a trench coat. Every vertical gets its own qualifier questions, doc checklist, drip, and tone-matched Flo so the system never says "paystubs" to a 1099 borrower.

Purchase — Pre-Approved

Borrower has a realtor and is under contract or actively shopping. The fastest-closing vertical.

Close: 20–35d

Per deal: $3,500–$6,000

Purchase — First-Time Home Buyer

Renters making the leap. Education-heavy, often DPA-eligible. 12-week nurture pays off.

Close: 45–90d

Per deal: $3,000–$4,500

Refinance — Rate / Term

Lower the rate, shorten the term. Fastest path to a closed loan when rates dip.

Close: 18–30d

Per deal: $2,500–$4,500

Refinance — Cash-Out / Debt Consolidation

Use equity to wipe out high-interest debt. Watch state overlays — TX A6 is its own world.

Close: 21–35d

Per deal: $3,500–$5,500

VA Loan

$0 down for veterans and active duty. Funding fee waivable for disabled vets.

Close: 25–40d

Per deal: $3,500–$5,500

FHA Loan

Lower FICO floor, lower down payment. Comes with mortgage insurance for life of loan.

Close: 25–45d

Per deal: $2,500–$4,000

USDA Rural Loan

$0 down for properties in eligible rural geographies. Income caps apply.

Close: 30–45d

Per deal: $2,500–$4,000

Jumbo Loan

Loan amounts above 2026 conforming limit ($766,550). Tighter overlays, bigger commission.

Close: 30–50d

Per deal: $6,000–$15,000

Non-QM / DSCR / Bank Statement

Self-employed, 1099, or investor borrowers. Bank-statement income or DSCR property cash-flow.

Close: 30–60d

Per deal: $5,000–$12,000

Reverse / HECM

Age 62+ equity unlock. High-touch, regulatory-heavy, deeply meaningful for the right borrower.

Close: 45–75d

Per deal: $5,000–$10,000

The same platform for your vendor partners.

Title, insurance, appraisal, DPA, and attorneys plug into the same system — without separate logins, separate tools, or separate fees.

Title & Escrow

Co-branded seller nets, order status, e-sig on title docs.

Homeowner's Insurance

Instant binder ordering, dec-page collection for loan file.

Appraisal / AMC

Auto-order post-Intent-to-Proceed, turn-time radar.

DPA Counselors

Warm-handoff queue for sub-620 and FTHB borrowers.

Real-Estate Attorneys

E-docs + closing packet routing in attorney-close states.

Pricing — one OS, four plans.

Existing LeadFlow Pro Agency + Enterprise members get 30% off any plan below.

Originator

$197/mo

+ $0.25/lead routed

1 seat · 100 active leads

Flo Inbox
Doc Chaser (3 verticals)
Compliance Guard (national)

Start Originator

Add-ons (recurring)

Rate-Watch Reactivation$97/mo
Partner Portal$147/mo
Compliance Guard+ (multi-state deep rules)$97/mo
Flo Content Engine$67/mo

One-time services

Mortgage White-Glove Launch$1497
Mortgage Audit (30-day loss-point report)$397
Compliance Retrofit (90-day backfill)$997

Questions LOs actually ask.

Does this replace my LOS?

No. Mortgage OS sits in front of your LOS (Encompass, Arive, LendingPad). We qualify + collect + nurture until a file is ready to hand off. Phase 3 adds deep LOS sync.

Is it compliant in my state?

National baseline: RESPA §8, TILA (LE 3-day + CD 3-day), ECOA Reg B (AAN in 30 days), TCPA consent logging, SAFE Act NMLS stamping, GLBA encryption. State overlays included: TX A6 / 12-day cooling off, plus CA, NY, FL, IL, OH, GA. Need a state we haven't listed? It's a 1-week add.

What if my brokerage uses Total Expert or Bonzo already?

We coexist. Our launch config can run side-by-side — Flo Inbox on new leads only while your current sequences run to existing contacts. Most LOs turn the old tool off after 30 days when they see the close-rate delta.

Are the leads ours or yours?

100% yours. Every lead generated through your Direct Lead Engine or embedded widget is your property, exportable any time in standard CSV + Encompass format.

What's the 14-day guarantee?

If you're not closing more files or saving LO time within 14 days, we refund the month and help you export. We'd rather lose a fight than bleed a bad fit.

Close more loans. Keep your nights back.

Start with a $397 Mortgage Audit, or skip the audit and launch Pro this week.

Book the $397 audit Start Mortgage Pro — $497/mo

14-day money-back on every recurring plan. Cancel online in one click.