The unified workspace
for mortgage origination
Purpose-built for turning leads into closed loans. Designed for the AI era.
A new class of mortgage tool. Orchestrate work seamlessly across your team and AI agents — without the cost and complexity of managing multiple vendors.
We see a problem here.
At some point in the last 30 years, the industry collectively decided that this diagram was going to be our standard.
Today, lenders are left with the financial and operational burden of stitching together a way for their teams to:
- Manage leads (CRM)
- Accept borrower documents (POS)
- View up-to-date pricing (PPE)
- Communicate with borrowers (Phone System)
Gizmo exists because in 2026,these should be features, not products.
Connect with new borrowers
Turn cold leads into warm conversations that are tracked, routed, and followed up on automatically by humans or AI agents.
C.1
Sequences
Overview
Sequences are pre-defined outbound strategies for communicating with your borrowers. You can hook into a number of different events within the lifecycle of a lead, and send automated messaging across a variety of channels. When you get a response, you can optionally have AI agents handle the response and warm transfer the lead to your team.
C.2
AI Engagement
Overview
AI Engagement policies are how you determine when an AI agent should handle communication and when your team should handle it. You can define a master policy at the organization level, and also define fine-grained overrides at the sequence or even step levels.
Options
| Setting | Description |
|---|---|
| Outbound Dialing | Choose whether to have AI agents handle all of your outbound dialing, a portion of your outbound dialing, or only step in after humans haven’t dialed the lead within a set time frame. |
| SMS & Email | Choose whether to have AI step in and handle replies to your sequences. You can have your team handle replies right away, or have AI handle it so your team only answers warm, pre-vetted calls. |
C.3
Channels
Overview
Gizmo provides a number of channels with which you can communicate to your borrowers.
Communication Channels
| Channel | Details |
|---|---|
| Voice | Gizmo includes a built-in phone system that provides low-latency calling from within the web application. Each member gets a personal number, and you can maintain your own library of local / toll-free numbers for use with the dialer or AI agents. |
| iMessage (Blue) | Gizmo supports iMessage texting to iPhone users, including reactions, typing indicators, and read receipts. iMessage will automatically fall back to RCS and then SMS when iMessage is not possible. |
| After syncing your Microsoft or Google account, you can send email directly from Gizmo. Any emails to and from a borrower are sycned and logged to the Activity Log. | |
| Direct Mail | For teams looking to market with Direct Mail, Gizmo provides an end-to-end system that will search for properties based on criteria, design the mail, send the letters, and handle inbound call routing from responses. |
C.4
Gizmo Mobile
Overview
Gizmo Mobile gives loan officers a native companion app for staying connected when they are away from the desk. Calls, messages, loan events, and borrower updates stay tied to the same workspace your team uses in the browser.
Capabilities
| Capability | Details |
|---|---|
| Notifications | Receive native alerts for incoming calls, SMS, borrower replies, appointments, and important loan events. |
| Calls & Messages | Continue borrower conversations from the field without leaving the Gizmo communication history behind. |
| Loan Updates | Review borrower details, update loan information, and keep work moving between meetings. |
| Applications | Start or continue applications from mobile when the borrower is ready to move forward. |
Build compliant, profitable loans
Take the guesswork out of loan structuring with real-time pricing, guardrails, fees, and dual AUS to surface what needs attention.
Suggested:
- Flip the loan product to HomeReady to save $249 in fees.
- Apply a lender credit of $6 to meet Points & Fees limits.
Q.1
Pricing
Overview
Gizmo prices loans while your team structures them. Rate sheets, investor rules, compensation settings, and borrower facts are evaluated together so the best execution is visible without submitting the same scenario across multiple tools.
Pricing Inputs
| Input | Details |
|---|---|
| Investor Rate Sheets | Maintain pricing for wholesale, direct, delegated correspondent, and non-delegated correspondent channels. |
| Loan Setup | Product, occupancy, property, FICO, LTV, loan amount, purpose, and other scenario facts drive eligibility and price. |
| Adjustments | LLPA-style adjustments, comp rules, channel rules, and lender credits are applied to each eligible option. |
| Guardrails | Points and fees, product eligibility, and pricing exceptions surface while the loan is being structured. |
Q.2
Credit
Overview
Credit is ordered and reviewed directly inside the loan file. Gizmo stores the request, report, scores, tradelines, liabilities, and alerts so qualification logic can use the same data the team sees.
Credit Workflow
| Step | Details |
|---|---|
| Order | Pull individual or joint credit from the enabled provider without exporting borrower data to another system. |
| Parse | Import scores, liabilities, inquiries, credit files, alerts, and report metadata into the loan. |
| Qualify | Include, exclude, or pay off liabilities and immediately see the impact on DTI and cash to borrower. |
| Reuse | Use the active credit report for pricing, AUS, agent workflows, and LOS sync. |
Q.3
AUS
Overview
Gizmo runs automated underwriting from the same loan data your team is already maintaining. DU and LPA findings are returned to the loan file so conditions, eligibility, and next actions stay visible.
AUS Flow
| Step | Details |
|---|---|
| Prepare | Use borrower, property, income, asset, credit, and loan setup data from Gizmo as the source of truth. |
| Submit | Run Fannie Mae Desktop Underwriter or Freddie Mac Loan Product Advisor with the configured credentials. |
| Review | Show recommendation, messages, required documents, and conditions in the loan workspace. |
| Act | Feed findings into structuring suggestions, document collection, and agent-driven condition work. |
Q.4
Fees
Overview
Fees are part of loan structuring, not a separate handoff. Gizmo combines provider quotes, static fees, lender charges, credits, and disclosure sections so the team can understand closing cost impact while pricing changes.
Fee Sources
| Source | Details |
|---|---|
| Provider Quotes | Pull settlement, title, tax, recording, and other third-party charges from connected providers. |
| Static Fees | Maintain organization and investor-specific fees for repeatable costs. |
| Pricing Credits | Reflect lender credits, borrower-paid points, and compensation decisions in the same worksheet. |
| Disclosure Sections | Keep fees mapped to the right integrated disclosure buckets for downstream documents and LOS sync. |
Q.5
LOS Integration
Overview
Gizmo can operate as the front office for an existing LOS while teams move more origination work into Gizmo. Credit, borrower data, loan terms, documents, conditions, and status updates can sync without forcing users to rekey the file.
Sync Areas
| Area | Details |
|---|---|
| Loan Creation | Create or update the LOS file from borrower and loan data already captured in Gizmo. |
| Credit | Export credit requests, reports, scores, and liabilities after the team pulls credit. |
| Documents | Send disclosures and supporting documents to the LOS or retrieve generated packages. |
| Status | Bring LOS milestones and condition updates back into Gizmo for real-time visibility. |
Q.6
Gizmo Agent
Overview
Gizmo Agent helps qualify and structure loans by reading the same borrower, credit, pricing, fee, and AUS context your team uses. Agents can suggest changes, prepare next actions, and ask for approval before taking sensitive steps.
Agent Work
| Work | Details |
|---|---|
| Scenario Review | Identify DTI, pricing, cash-to-close, points and fees, and eligibility issues. |
| Recommendations | Suggest payoffs, product changes, lender credits, document requests, or AUS reruns. |
| Tool Use | Pull from connected pricing, credit, fee, AUS, and loan data instead of relying on copied notes. |
| Approval | Route important actions through human review before the loan file changes. |
Satisfy closing conditions
Automate loan conditions with AI agents who work alongside your team. Ensure human oversight with human-in-the-loop approvals.
Issues
Duration
Income
Written Verification of Employment
6 days
Year-to-date paystub review
3 days
Assets
Source large deposit
5 days
Updated bank statement
4 days
Credit
Capital One payoff statement
1 day
Student loan payment letter
5 days
Credit supplement for paid collections
4 days
Property
Appraisal revision
5 days
Homeowner insurance binder
2 days
Closing
Updated title commitment
5 days
Closing disclosure balancing
2 days
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CDT-023
Obtain Payoff Statement for CAPITAL ONE 7213Requires a 3-way call with the borrower and creditor.
I'll make a quick call to the borrower and ask permission to conference in the creditor.
I've finished the call. Waiting on the payoff statement…
Payoff statement received. I've uploaded it to the file and marked this condition as ready for human approval.
D.1
Borrower Portal
Overview
The borrower portal extends the same loan workspace to the borrower. Instead of sending them into a separate POS, Gizmo keeps applications, messages, documents, signatures, and condition requests connected to the CRM and loan file.
Portal Features
| Feature | Details |
|---|---|
| Applications | Borrowers can complete or update application information without the team rekeying data. |
| Tasks | Outstanding requests are presented as a focused checklist tied to loan conditions. |
| Messages | Borrower replies stay in the same communication history used by the team. |
| Status | The borrower sees clear progress without exposing internal workflow noise. |
D.2
Documents
Overview
Documents live inside the loan file and stay connected to the conditions, disclosures, and borrower tasks they satisfy. Teams can review disclosure packages and supporting documents without switching to a separate document portal.
Document Areas
| Area | Details |
|---|---|
| Disclosures | Organize Loan Estimates, applications, Closing Disclosures, and signed packages. |
| Supporting Docs | Collect income, asset, credit, property, and closing documents against specific requests. |
| Review | Open documents in context with the borrower, loan, and condition that requires them. |
| Integrations | Sync documents with LOS and document providers when the external system remains the system of record. |
D.3
Income Calculator
Overview
The income calculator turns borrower documents and employment history into qualifying income the team can defend. Calculations stay attached to the loan file so AUS, conditions, and underwriting review use the same income story.
Calculation Support
| Income Type | Details |
|---|---|
| W-2 | Analyze paystubs, W-2s, VOEs, and year-to-date earnings. |
| Self-Employed | Support business income review from tax returns, K-1s, and profit and loss statements. |
| Variable | Average overtime, bonus, commission, and other variable income with clear periods. |
| Audit Trail | Preserve source documents, assumptions, and reviewer decisions with the final qualifying amount. |
D.4
Conditions
Overview
Conditions are tracked as operational work, not just a static list from underwriting. Gizmo connects each condition to the borrower task, document, owner, due date, agent action, and approval path needed to clear it.
Condition Workflow
| Stage | Details |
|---|---|
| Intake | Import conditions from AUS, underwriting, LOS updates, or manual review. |
| Assignment | Route work to borrowers, team members, or Gizmo Agent based on the condition type. |
| Collection | Tie messages, calls, documents, and third-party follow-up directly to the condition. |
| Approval | Keep humans in the loop for final review before a condition is marked cleared. |
Frequently Asked Questions
Does Gizmo replace our LOS?
Does Gizmo replace our LOS?
Is onboarding complicated?
Is onboarding complicated?
Will our team actually use it?
Will our team actually use it?
Is Gizmo just another CRM or dialer?
Is Gizmo just another CRM or dialer?
What kind of results can we expect?
What kind of results can we expect?