Voice intake, eligibility logic, and doc workflows. Production-grade, six weeks to live.
Mid-market mortgage shops are stuck on 45–60-day origination cycles while AI-pipeline competitors hit 15–25. We've shipped the voice AI + eligibility + workflow patterns that close the gap.
If two or more of these are true, we should talk.
- // 01
Doc collection and verification is still manual
- // 02
Pre-qual logic is buried in Encompass or LendingPad — every change is a multi-week vendor SOW, not a two-hour config
- // 03
Voice intake at scale would catch the 40% of inbounds your team misses
- // 04
Your origination cycle is 45–60 days; competitors with AI pipelines are at 15–25
- // 05
Conditions are routed by email chain. Processors track stips in a spreadsheet. Clear-to-close depends on someone checking the right folder
- // 06
38% of lenders are already using AI/ML — adoption is growing 23 points a year
We're not your LOS consultant. We're the engineer 5–30 LO shops call when Encompass automation projects stalled at the integration layer.
We ship voice intake, agentic doc collection, and pre-qual logic outside the LOS — Encompass and LendingPad stay untouched. Six- to eight-week fixed scope. Borrowers get to clear-to-close in 21 days instead of 45. The first ten funded loans cover the build.
Four capabilities. All production-tested. Deployed as your stack needs them.
Voice AI agents
Retell / Vapi + Claude + Deepgram. Sub-90-second lead response. Prompt versioning + drift detection.
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.
CRM consolidation
HubSpot replacement or augmentation. Unified deal panels. Real-time push. Role-based access.
Sequence orchestration
SMS / email / voicemail drops. Business-hours gating. TCPA-aware. Multi-touch attribution.
What does production-grade voice AI for mortgage intake actually look like?
Voice agent built on Retell + Claude + Deepgram with prompt versioning and drift detection. Pre-qualifies inbounds — income, property type, loan purpose, occupancy, ballpark LTV — against rules outside Encompass or LendingPad. After-hours intake without voicemail. Same stack we shipped at 100k-user scale, ported to your workflow. Six- to eight-week install.
What we've shipped: A real-estate voice AI dialer at 100k-user scale. Retell + Claude + Deepgram + JustCall. Script versioning, prompt rollback, drift detection between deployed agent state and source-of-truth scripts. Transcript QA via Claude Haiku — turn-by-turn observations feed back into prompt edits. 402 TypeScript files, live in production.
What that gets you in mortgage: Same stack, mortgage workflow. Pre-qual at the call — income, property type, loan purpose, occupancy, ballpark LTV — checked against configurable rules outside Encompass or LendingPad. Conditions routed by type, not by email chain. After-hours intake that doesn't fall to voicemail.
Same engineering, different vertical: the pattern transfers cleanly. Encompass doesn't need to go anywhere — the intake and routing layer talks to it, no LOS configuration changes required.
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.
- // 0130 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.
- // 022 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.
- // 036–8 WEEKS · $25,000–$50,000
Build
Fixed scope, fixed price, production deployment. Voice AI, enrichment, CRM, or sequences — scoped after the audit.
- // 046-MONTH MIN · $7,500–$15,000/MO
Retainer
Embedded engineering. Direct contribution, not just review. On-call for production. Roadmap ownership.
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.