The average loan officer juggles 15-30 active files at any time — each one with multiple parties, hard deadlines, a stack of documents, and underwriter conditions that need borrower follow-up yesterday. Velocify, Jungo, and Shape CRM charge $99-$119/seat/month and none of them speak mortgage. MortgageDesk is the AI co-pilot built for how mortgage actually works. ## What's included - **Monday pipeline review** — paste your active loan list and get back a prioritized hot list, rate-lock countdowns, TRID deadline calendar, and this week's action items - **Status update generator** — at-risk file? Generate a stage-appropriate, empathetic, never-alarming borrower email in 30 seconds (application → processing → underwriting → CTC → clear-to-close) - **Conditions response translator** — paste an underwriter conditions letter and get a plain-language explanation of every condition with exactly what the borrower needs to provide (W-2s, bank statements, LOE, gift letters) - **Doc checklist builder** — customized per loan type (Conv / FHA / VA / USDA / Jumbo), borrower employment (W-2, self-employed, retired, 1099), and transaction type (purchase, refi, cash-out, construction) - **TRID timeline mapper** — application date + closing date → every compliance deadline mapped out (LE within 3 business days, CD 3 business days before closing, etc.) - **Letter of Explanation drafter** — credit inquiry, address gap, employment gap, large deposit, late payment → professional LOE in 60 seconds - **Referral partner thank-you generator** — personalized notes that build the relationship, not transactional acknowledgments ## Limitations - **Not an LOS** — pairs with Encompass / Calyx Point / LendingPad; doesn't replace your origination system of record - **Not a pricing engine** — pairs with Optimal Blue / Polly; this manages the file, not the rate sheet - **Not legal counsel** — TRID + RESPA references are starter; complex compliance disputes need a mortgage attorney - **U.S.-focused** — Canadian + UK mortgage workflows entirely different - **Single-LO scope** by default — branch managers running 5+ LOs run per-LO sessions ## Best fit Independent mortgage brokers + loan officers at retail banks + correspondent lenders managing 15-30 active files. Especially valuable for solo + 2-LO shops without an LOA — the Monday pipeline review + conditions translation typically saves 6-10 hours/week of admin AND prevents the most common deal-killer (a borrower who didn't understand what the UW was asking for letting the rate lock expire). At $29/mo this costs less than one hour of your time.
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