LO Junior™ Makes Your LO Life Easier
Experience an Origination Life that’s engineered to free up DAYS, not just hours, keep up with client and Realtor expectations and get more applications into your LOS
See it in action 👆
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All About LO Junior™
LO Junior™ is the automated assistant LO’s are hiring to show Clients and Realtors how EASY financing Real Estate is through them!
Designed by our experienced and proven Loan Originator, the intelligence inside our Origination Engine creates the time LO’s have always needed to focus on activities that either make more money or make more memories.
LO Junior™ is capable of having a fun, fast and informal automated Pre-Loan conversation with Clients to determine their loan qualification potential on behalf of the LO.
WITHIN MOMENTS OF THE CLIENT FINISHING THE CONVERSATION withLO Junior™, the Client, the identified Realtor and the LO are ALL informed of the Client’s Loan Eligibility AND their tentative max House Value.
Your mortgage company does NOT offer a technology even close to LO Junior™. The next closest resource available is an inside sales agent (ISA). Good luck hiring someone to work 24/7/365 who can speak on your behalf at a reasonable wage without saying something to embarrass you.
What is it worth to have the freedom and insight to secure the contract ready deals that can triple your productivity?
Is This You?
Do you deal with DROP EVERYTHING YOU’RE DOING calls and texts from Realtors demanding you get their lead qualified RIGHT NOW after normal business hours?
Features That Matter
The Reasons You’ll Love LO Junior™
Higher Productivity
Save 100+ hours each month while your humanized Junior LO conveniently converts Prospects into Applicants for you.Pre-Qualify 24/7 - 365
Accommodate Prospects any time of any day, any night, any Saturday, any Sunday, any Holiday, anytime they are off work and anytime you want off work, too.
Build Relationships
Be known by Realtors as the LO with easy and convenient resources that deliver results real quick.Be the Easiest LO to Work With
Offer Realtors tangible results within minutes versus trying to reason with Realtors over the time it takes to process a complete 1003.
Focus on Profit
Increase your pull through rate by automating the number of applications you start, and spend time on the number you can close.Easy Pre-Loan Check Up
The relaxation Prospects feel with LO Junior’s conversation makes it easy for them to share more truth around credit related events and finances than with an LO, or even on a cold 1003.
Automate Results
Eliminate Prospect and Realtor wait times through LO Junior's instant cross-referencing of Fair Lending Guidelines and Housing statistics.Findings and Next Steps
Every conversation with LO Junior™ finishes with the LO getting a detailed report about the conversation and Prospects being immediately directed to enter the LO’s online 1003.Informed Decisions
Your digital Junior LO gathers the critical data needed to help you decide which applications you want to prioritize in your pipeline.Never Lose a Deal
People get intimated having their credit pulled. Give people a fun first step into your mortgage world and watch LO Junior™ convert Prospects into Applicants with a smile.
Personalize the Fun
The work is serious, but the personality doesn't need to be! Watch LO Junior™ increase the excitement in your pipeline, and the loyalty of your Realtors..No More Up-Front Cold Applications
Even though we automated your Junior LO, its conversational logic makes Prospects feel comfortable and gives them much more confidence to finance their loan with you.
We Put TIME in Your Life
Beautiful User Interface
We created an intuitively easy system that feels fun for users and offers:
Simple directions using engaging text
Quick, Easy was to change answers
Flow tracking by way of Titles and Navigations
Multiple options to accurately report Self-Employed and Wage Income
24/7 & 365 On Demand pre-application check ups
Easy Share features that free you from an on-call life
MASSIVE up-front value so you get more Loyal and Profitable relationships
Who Are We
Philosophy We Strive For
As LO’s ourselves, we use LO Junior™ to authentically demonstrate how we really do make the financing experience of our future and current homeowners and, especially, the business experience of our Realtor partners easier, faster and more fun than any other loan person can attempt to do. At the same time, we also decided NOT to lose any opportunities during the times we are offline to be fully present with our family. This means we fully embraced the idea of having a humanized automation produce MASSIVE 360 value to help us Always Be Closing. We found that in order to meet our production goals, delivering quality experiences that convert conversations into applications, applications into contracts and contracts into closings – the ABC’s of Mortgage – is a non-negotiable! But, when we employed our Junior LO automation, we were able to skyrocket our life goals and, at the same time, exceed our production targets!
We designed LO Junior™ to seamlessly transition Prospects into the application process. The synergy in the science of our Origination Engine to cross-reference guidelines, housing stats and render fair eligibility outcomes with finely tuned housing estimates coupled with the art of our easy, autonomous conversation creates unmatchable comfort and fun for home shoppers, homeowners and, especially, Realtors — bar none!
The Science and Art
Frequently Asked Questions…
A: Doctors hire nurses and Lawyers hire paralegals: both carry high labor costs in their effort to handle their workloads. LOs employing LO Junior™ operate more efficiently and more effectively than their peers because LO Junior™:
- Frees up time
- Helps convert prospects into completed 1003s
- WOWs Realtors
- Proves you are “easy to work with”
A: LO Junior™ is not competing against an online application. LO Junior™ actually leads prospects into the 1003.
From a prospect experience viewpoint, the 1003 application comes across as an impersonal and intimidating formality that does not strengthen the relationship between the prospect and the LO.
Considering that loan eligibility is not valid without supporting documentation, successful LOs build trust with less formal resources which create good will, better connections and more loyalty from prospects and Realtors.
No matter the time of day or night, LO Junior™ works on behalf of the LO to qualify prospects, instantly estimate how much house a prospect can tentatively afford, lead prospects into the 1003, report the conversation results to a Realtor, and email findings to the LO.
A: LO Junior™ communicates in either English or Spanish. The origination engine powering LO Junior™ reports its findings to the Loan Originator in English.
A: The origination engine powering LO Junior™ is equipped to examine:
- New or existing property owners
- Purchases or Refinances
- Forbearances and mortgage lates
- Title lien terms and repayments
- Employed, self-employed, unemployed, fixed income
- Students and recent graduates
- Liquidity balances and sources
- No Credit to Great Credit
- Bankruptcy, foreclosure, eviction, repossession
- and more…
A: The signature origination engine (OE) driving LO Junior™ wraps thousands of complex Fair Lending Guidelines into an easy and informal conversation.
And while a prospect is interacting with LO Junior™, the OE quickly assembles the prospect’s:
- loan purpose
- liabilities
- income sources
- work history
- liquidity balances and sources
- credit reputation
- property and occupancy type desired
With this prospect profile, LO Junior’s OE can instantly present either a qualified or not qualified notice to the prospect and email findings direct to the Loan Originator.
A: Two (2) critical data sets are needed here:
- Housing statistics, and
- The prospect profile
LO Junior’s origination engine (OE) is engineered to process a variety of prospect profiles. And with the latest applicable housing stats programmed into the OE, the conversation LO Junior™ has with the prospect makes it easy and fast for the OE to instantly compute and display the tentative house value a qualified prospect can afford.
What People Are Saying…
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