Mortgage Prequal Coach
Inbound borrower → AI pre-qualifies, computes DTI / LTV / PMT scenarios with real mortgage math, ranks 3 loan products with rate + monthly + closing-cost breakdowns, drafts the prequal letter, uploads the doc package to your LOS (Encompass / Calyx / BytePro), and writes the loan back to your GoHighLevel (GHL) pipeline. 4 minutes vs. the usual half day.
How it works
1. Borrower in
GHL form intake captures the inbound borrower (purchase price, down payment, FICO band, monthly debts, employment, location). One screen, one click to start the analysis.
2. Real math + ranked products
DTI (front + back), LTV, PMT, PMI, PITI all computed with real mortgage formulas — not LLM hallucination. Live Optimal Blue rates pulled by program. Three top loan products rank by total cost × close probability with full breakdowns.
3. Prequal package + LOS upload
One click drafts the prequal letter (lender boilerplate, state-specific disclosures, signed by the LO with NMLS), generates the doc checklist, drafts borrower outreach in the LO’s voice, creates the loan file in Encompass, uploads docs, writes the loan to the GHL Mortgage Pipeline, and SMS-confirms with a portal link.
60-second Loom
60-second flow: KPI strip (87 leads / 23 prequals / 61% pull-through / 4-min average) → seeded borrower form (Sarah Chen, $485k purchase, 15% down, 720-739 FICO, Austin TX) → click Run prequal → streaming compute (DTI 22%/31%, LTV 85%, Optimal Blue rates pulled, 3 scenarios) → 3 ranked product cards (Conv 6.875% #1 / Conv buydown 6.625% #2 / FHA 6.25% #3) with real PITI breakdowns → click Generate prequal package → side panel with letter + doc checklist + outreach → Submit to LOS → Encompass file created + 7 docs uploaded + GHL pipeline updated + SMS confirmation → KPIs ticked.
See the dollar impact for your numbers
5 inputs → get hours saved/yr, dollars saved/yr, and payback vs. our $9,990 – $25k range. Results show on this page and the breakdown plus build spec hit your inbox.
Detailed breakdown plus the build-spec PDF have been sent to your email.
Who it’s for
Mortgage brokers, retail loan officers, and GoHighLevel agencies serving mortgage clients who want to qualify inbound leads in 4 minutes instead of half a day — without losing rate accuracy, eligibility rigor, or state-licensing controls.
Tech under the hood
Frequently asked questions
Are the rates real or hallucinated?
Real — pulls live rates from Optimal Blue (or your LOS rate sheet) at request time. The demo uses a frozen Apr-2026 snapshot for deterministic playback.
Can it handle non-QM, jumbos, second mortgages, HELOCs?
Yes — product list is configurable per-lender. The eligibility engine knows program-specific rules (FHA min FICO 580, VA needs DD-214, jumbo county loan limits, non-QM bank-statement underwrite, etc.).
How does it integrate with our LOS?
Encompass (Mortgage Cadence), Calyx Point, BytePro, and LendingPad have native adapters. Creates the loan file + uploads docs + writes back loan-status updates. Adding a new LOS adapter typically takes ~2 days.
What about state-specific licensing and disclosures?
Engine knows which states the LO is licensed in (NMLS lookup) and refuses to issue prequals outside coverage. State-specific disclosure language (TX Section 50(a)(6), CA disclosure, etc.) is baked into the prequal letter template.
Want one of these in your business?
We’ll scope, build, and hand off a production-ready system in 3–4 weeks.