Advisory · Labs Brief us →
● HOME EQUITY DOCUMENT 002 FIELD: APPLIED AI 05/19/2026
// HOME EQUITY · LANDING

Half your lead-to-close cycle. Five eligibility programs. One stack.

Series Seed–B HEI / HEA / SLB operators run multi-program portfolios with drifting eligibility logic, phone-only qualification, and underwriting that doesn't scale. We've shipped five eligibility calculators in production across HEI, HEA, SLB, shared-equity, and alt-finance.

// 02 · WHY YOU'RE HERE

If two or more of these are true, we should talk.

  • // 01

    Multi-program eligibility logic (HEI / HEA / SLB / shared-equity) is drifting across systems

  • // 02

    LTV/CLTV caps, state whitelists, ownership rules — hardcoded across calculators, not in admin settings

  • // 03

    Lead qualification is phone-only and doesn't scale

  • // 04

    HubSpot or Salesforce is too generic for your multi-product portfolio

  • // 05

    DocuSign + proposal workflows are fragile, especially pre-acceptance vs post-acceptance

  • // 06

    Your AI consultant's pilot stalled at the integration layer

// THE POSITIONING

We're not an AI consultant. We're the engineer multi-program HEI operators call when the consultant's pilot stalled.

We ship multi-program eligibility logic as a service — not a spreadsheet. State whitelist version control, LOS integrations, capital-partner reporting. Six- to fourteen-week fixed scope. The first ten qualified borrowers cover the build.

// 03 · WHAT WE SHIP

Four capabilities. All production-tested. Deployed as your stack needs them.

// 01

Voice AI agents

Retell / Vapi + Claude + Deepgram. Sub-90-second lead response. Prompt versioning + drift detection.

// 02

Agentic lead enrichment

Right vendor per vertical: AVMs (ATTOM, Zillow, Redfin) for HEI, lead-source attribution + dedup for brokerages, borrower signals for mortgage. Confidence label per field. No hallucinated values.

// 03

CRM consolidation

HubSpot replacement or augmentation. Unified deal panels. Real-time push. Role-based access.

// 04

Sequence orchestration

SMS / email / voicemail drops. Business-hours gating. TCPA-aware. Multi-touch attribution.

// 04 · THE RECEIPT

One platform. Live today.

The receipt: A multi-program home equity platform. Five eligibility calculators (HEI / HEA / SLB / shared-equity-style / shared-appreciation) sharing an admin-driven settings store. LTV / CLTV / state whitelists / ownership rules — all read from a central config, not hardcoded.

Voice AI wired into the dialer for inbound qualification. Claude-powered AVM enrichment — Zillow / Redfin / Realtor.com — filling gaps when ATTOM budget runs dry. Two modes: full enrichment on first touch, gap-fill on NULLs only. Confidence labels per field. DocuSign integration for post-acceptance contracts.

54 production edge functions. 351 migrations. Live today.

// 06 · HOW WE WORK

Four stages. Each one a real "no" point.

Most agencies want a contract before they understand the problem. We work backwards. Free teardown first. Audit second. Build only when both sides know what we're shipping. Retainer only if both sides want it.

  1. // 01
    30 MIN · NO COST

    Free Teardown

    A working session, not a sales call. We look at your actual lead flow and tell you where the drop-off is. No quote at the end by design.

  2. // 02
    2 WEEKS · $5,000 (HEI/Mortgage: $7,500)

    Audit

    Stack audit + 90-day roadmap + prioritized ROI estimates. The deliverable is what you should actually build, in order.

  3. // 03
    6–8 WEEKS · $25,000–$50,000

    Build

    Fixed scope, fixed price, production deployment. Voice AI, enrichment, CRM, or sequences — scoped after the audit.

  4. // 04
    6-MONTH MIN · $7,500–$15,000/MO

    Retainer

    Embedded engineering. Direct contribution, not just review. On-call for production. Roadmap ownership.

// 05 · THE ENGINEERING

When the stack itself is the constraint: HEI Eligibility Engine.

Most HEI pilots stall at the integration layer. The fix is a rules service the model calls — not a model that re-implements the rules. Six- to fourteen-week fixed scope. Multi-program logic, state whitelist version control, LOS / e-sign / appraisal integrations, capital-partner reporting.

Scope the engine → From $75,000 · 10–14 weeks fixed scope
// 07 · BRIEF US

Tell us what's broken.

We'll come back with one of three things: a teardown invite, a pointed question, or an honest "this isn't us." Most briefs get a reply within two business days.

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