No contract
Cancel anytime. Nothing locks you in, so the system has to keep earning its place every month.
For loan officers closing 2+ loans a month
Your LOS knows every date that matters. Nothing acts on them.
We connect to your LOS and run your client communications for you. You never log in to anything.
The complete walkthrough is written out below.
Keep scrolling
- Connected to your LOS
- Live in 14 days
- No contract
The pattern
Every closed file eventually goes quiet. That silence is the most expensive part of your business.
You close the loan. You send the congratulations. And then, if you are like most loan officers, that client never hears from you again. No birthday message. No home anniversary note. No annual financial review. Not because you do not care. Because follow-up lives in your head, and your head is busy closing this month’s files.
Here is what that silence costs. Fewer than 1 in 5 borrowers go back to the company that handled their last mortgage. The next purchase, the refinance, and every referral that client would have sent go to whoever stayed in touch. Those referrals are not a side channel. In MGIC’s 2024 survey of about a thousand originators, 84% named past clients among their top referral sources, tied with real estate agents for first place.
More leads will not fix it. A silent database keeps leaking past clients no matter how many new ones you pour in the top.
The mechanism
We connect to your LOS and run all of it for you.
CRMs hand you software and expect you to run it. MortgageStack did away with the mortgage CRM entirely. We connect to your LOS and run your client communications for you. Nothing for you to run or log into.
Here is exactly what turns on:
A website that finally matches your production
We design and launch a professional website on your own domain: your story, your licensing, your reviews, and your booking calendars built in. We host it, we update it, and we keep it current. There is no website editor for you to touch, ever.
When a referred borrower or a listing agent looks you up, what they find reflects the business you actually do, and every page points to one action: book time with you. Already love your site? Keep it; everything else runs the same.
Repeat and referral business from the database you already own
We import your past clients and pipeline, then run the campaigns that keep you present in their lives: birthday messages, home anniversary notes, holiday touches, and the annual financial review invitation that brings them back to your calendar.
Your next loans already live in that database. When a past client gets asked for a lender, you are the name they remember, because you never went quiet.
Your past client, a year after closing
Hi Dana, it has been about a year since your closing. Want to grab 15 minutes to look over your finances together? Book a time here: [your booking link]
Sure, just booked Tuesday at 10:15.
Great, you are on the calendar. See you Tuesday.
Borrowers and agents who feel taken care of
As each file moves stage to stage in your LOS, the right update goes out by text and email in your name: to borrowers, co-borrowers, buyer agents, and listing agents. Application received, appraisal in, clear to close, funded.
Borrowers stop calling for status because they already know. Agents remember exactly who kept their client informed, and that memory decides where the next deal goes.
Your borrower, during the file
Quick update: your file moved to Submitted to Underwriting today. I will let you know the moment we hear back.
Good to know, thanks.
Great news: you are Clear to Close. Next step is scheduling your signing. More details shortly.
That is great news. Thank you.
A reputation that turns referrals into calls
Review requests go out at the right moments without you lifting a finger: a day-one burst to the imported past clients most likely to vouch for you, then automatically after every closing.
Your Google profile fills with recent, real reviews, so when a referred borrower checks you out, the proof is already waiting and the call actually happens.
Queued the day the file funds
Congratulations again on the new home! When you have a minute, would you share a quick review of your experience? It only takes a moment: [your review link]
Delivered by text and email
Appointments that book themselves
Booking calendars wired to your real availability, built into your website and dropped straight into campaign messages, so a client can pick a time in two taps.
Annual financial review invitations come back as booked appointments on your calendar, not as reply threads you have to chase. You show up; the schedule fills itself.
Your calendar
When a file funds in your LOS, MortgageStack sends the congratulations message, queues the review ask for the right moment, schedules next year’s home anniversary touch, and sets the annual financial review campaign. You never opened a screen. Your LOS already knew every date. Now something acts on them.
Ready now? The call is 30 minutes: fit check, price, and what goes live first.
Book a Strategy CallYour part happens once, at the start. Then there is nothing on your to-do list.
Onboarding asks you for four things, one time:
- A short survey
- Your voice, your milestones, your preferences.
- Your contact export
- The past clients and pipeline we import for you.
- LOS authorization
- One approval so your loan data can flow in.
- Domain and profile access
- Your domain and Google Business Profile, where they apply.
From there we do the rest and put it live. MortgageStack works alongside major LOS platforms, and ARIVE is the flagship connection. After go-live there is no login, no homework, and nothing to fall behind on.
You see it working without running anything.
The proof lands in places you already check: reviews climbing on your Google profile, appointments landing on your calendar, borrowers and agents thanking you for updates you never sent by hand. If you want to watch it run, an optional mobile app shows the conversations, reviews, and bookings arriving. Optional is the key word: nothing requires it.
Below: one past client, one year, every touch sent on its own.
- Closing day Congratulations message goes out the day the file funds Text
- Weeks later Google review ask sends at the right moment Text + email
- The holidays Holiday campaign lands, written in your voice Email
- Their birthday Birthday message sends without you remembering it Text
- One year in Home anniversary note marks year one in the house Email
- Every year after Annual review invitation lands, and they book straight onto your calendar Text
You do not have to take our word for it.
“MortgageStack has been a game-changer, single-handedly allowing me to stay consistent in my sales activity.”
“Since rolling it out, we've tightened up our sales activities, converted more cold clients automatically, and boosted efficiency across the board.”
“This is levels above everything else I have tried, and I have used so many other systems that just don't work.”
This is not for everyone. We would rather tell you here than on a call.
MortgageStack works because it runs on the clients and pipeline you already have. That means there are three people it genuinely does not fit:
- You have no real database yet
- If you are brand new, with no past clients, closed files, or active pipeline, there is not enough for the system to work with. Close your first files, then come back.
- You want software to run yourself
- There is no login and no dashboard. If you want a CRM to operate, we are the wrong company. We did away with all of that on purpose.
- You are looking for a lead vendor
- We do not sell leads. We work the clients and pipeline you already own. Buying more names changes nothing while the ones you already earned sit unworked.
If you are closing a few loans a month and you know your database deserves better than it is getting, this was built for you. The strategy call is a fit check in both directions.
Why we built this.
We have spent years inside real mortgage pipelines, and the same pattern shows up every time: the loan officers pulling away from the pack are not outworking everyone else. They are running different systems. Their follow-up happens every time because none of it depends on memory or motivation.
We also watched what happens when LOs try to fix this themselves. The CRM becomes another login. The coaching program becomes homework. And the database goes quiet again by spring.
So we built the version we always wanted to hand people: we connect to your LOS, we run the client communications, and nothing lands on your to-do list. Closing 11 loans a month is not 11 times harder than closing 1. It is the same work, done inside a different system.
If that sounds like the thing that has been missing, book the call. We will be straight with you about whether it fits.
Waz and Brad, founders of MortgageStack
The math
The team it would take to do this without us.
To match what turns on in your first 14 days, you would be hiring and licensing all of this:
- An office admin on your client follow-up
- $3,000+/mo
- A marketing assistant on your database
- $1,000/mo
- A mortgage-fluent copywriter
- $500/mo
- CRM and automation licenses
- $400/mo
- Review and reputation software
- $100/mo
- A professional website, hosted and maintained
- $150/mo
- To do what we do without us plus your time to manage all of it
- $5,150/mo
Doing nothing stays free, and stays the most expensive option you have. MortgageStack runs everything on that receipt for $297 a month: same work, one flat price, none of it on you.
The offer
Everything you just read, done for you, at one flat price.
Your client communications, run for you
$297 per month, no setup fee
$2,970 per year, two months free
A full year costs less than your commission on one closed loan. And nothing lands on your to-do list.
What turns on in your first 14 days
- A professional website with booking calendars, built and hosted on your own domain
- Birthday, home anniversary, holiday, and annual review campaigns across your entire database
- Milestone updates to every borrower, co-borrower, and agent on every file
- Google review asks after every closing, starting with a day-one burst to your past clients
- White-glove onboarding, with your past-client database imported for you
- An optional mobile app to watch it work. Optional, always.
$297/month. No setup fee. No contract.
Live in 14 days or your first month is free · 30-day money-back
Annual option: $2,970 per year (two months free).
The $297 is the flat price for the service. Usage works like a phone bill and is billed separately, based on what your account actually uses: texting, calling, email, and usage-based platform actions like AI features and premium automation steps. Before anything turns on, we size it against your actual database, so there are no surprises.
Three commitments. All in writing.
Live in 14 days
Fully live in 14 days, or your first month is free.
30-day money-back
Your first subscription month carries a 30-day money-back guarantee.
What we hear on almost every call.
- I already have a CRM.
- Keep it or fire it. MortgageStack is not a CRM and there is nothing for you to log into. We connect to your LOS and run the client communications ourselves. Most LOs realize their CRM was only there to do what we now do for them.
- I could hire an assistant or join a coaching program for this.
- You could, and here is that math. A virtual assistant runs $800 to $1,200 a month, and you hire, train, and manage them until they leave. Coaching runs $500 to $1,000 a month, teaches you the system, and leaves the follow-up on your plate. A marketing agency starts around $1,500 and is not wired into your LOS. Every one of them costs more than MortgageStack and routes the work back through you.
- I am not on ARIVE.
- ARIVE is our flagship connection, and MortgageStack works alongside major LOS platforms. On the strategy call we confirm your LOS and walk through exactly how your data flows in.
- I want to know what usage will actually cost me.
- It works like a phone bill: you pay for what your account actually uses. Texting, calling, and email make up most of it, along with usage-based platform actions like AI features and premium automation steps. A bigger database uses more than a smaller one, which is exactly how it should scale. On the call, we size it against your actual database so there are no surprises.
- I already have a website I like.
- Keep it. The new website is included in the price but completely optional. Everything else runs the same either way.
- I might want to cancel.
- Nothing locks you in. There is no contract; cancel anytime and the system turns off, including the website we host if you used it. We prefer it that way: if this ever stops being worth what you pay, leaving should be that simple.
- My compliance team will want to see this.
- Here is what goes out. Every message is sent in your name and your voice, written from your onboarding survey, and it does one of two things: deliver an update or invite a booking. Nothing quotes rates, gives loan advice, or qualifies anyone. Every real conversation stays with you. Bring the compliance questions to the strategy call and we will walk through exactly what sends.
- I do not want a robot talking to my clients.
- Every campaign and update goes out in your name and your voice, written from your onboarding survey. The messages deliver updates and invite bookings; they never quote rates, never give loan advice, and never qualify anyone. You own every real conversation.
Two ways to start. Both take minutes.
Some LOs know by now. Some want to talk it through first. Both doors lead to the same place: your client communications, running by themselves, inside 14 days.
Already sure? Start today.
You have seen what turns on, what it costs, and the three commitments in writing. Start now and we begin with the four onboarding inputs above. That is your whole part, one time.
Turn It On Today$297/month. No setup fee. No contract.
Have questions? Book the call.
Thirty minutes: we confirm your LOS, size your database, and tell you honestly whether this fits. If the answer is no, you will hear it on the call.
Book a Strategy CallTimes show in your timezone.