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.0 Connect

New 23

APP-2048 2m

Zillow purchase inquiry $575k purchase, 740 FICO, Austin TX

New Purchase High intent

APP-2051 6m

LendingTree refi lead Cash-out quote, existing FHA loan

New Refi FHA

APP-2053 11m

Realtor warm handoff First-time buyer, pre-approval needed

New Referral

Attempting Contact 14

APP-1987 now

Local presence call queued Dialing from a matching 512 number

Attempt 1 Call Agent

APP-2002 18m

SMS delivered Intro text sent after missed call

Attempt 2 SMS

APP-2006 42m

Voicemail drop scheduled Follow-up call opens at 4:15 PM

Snoozed Voicemail

APP-2014 1h

Welcome email opened Pricing CTA clicked twice

Attempt 3 Email

Contacted 9

APP-1889 today

Borrower replied Asked for VA scenario at 95% LTV

Contacted VA

APP-1916 3:30

Appointment booked Processor intro and doc checklist

Contacted Meeting

APP-1930 4:10

AI qualification complete Confirmed income, credit window, timeline

Agent Ready

Application Started 6

APP-1772 live

Credit authorization signed Tri-merge pull queued for borrower pair

Application Credit

APP-1799 1d

Docs requested in portal Paystubs, W-2s, bank statements

Application Docs

Nurture Sequence

Call from a local number. Leave a personalized voicemail.

Send a welcome email. Personalized, from branch manager.

Wait 20 minutes...

Send an iMessage. Fall back to RCS, SMS if no iPhone.

Call from a branded number. Use AI if no humans are online.

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.

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.
Email	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.

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.

Q.0 Qualify

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.

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.

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.

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.

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.

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.

D.0 Deliver

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TodayJun 15, 2026

WVOEIn Progress

YTD PaystubReady

Large DepositBorrower

Bank StatementQueued

Payoff StatementReview

Student Loan LetterIn Progress

Credit SupplementQueued

Appraisal RevisionIn Progress

HOI BinderReady

Title CommitmentIn Progress

CD BalancingQueued

CDT-023

Obtain Payoff Statement for CAPITAL ONE 7213

Needs Approval

Requires a 3-way call with the borrower and creditor.

Gizmo Agentpicked up this condition:

I'll make a quick call to the borrower and ask permission to conference in the creditor.

Placed call

Confirmed borrower identity

Obtained borrower's permission

Initiated conference call to Capital One

Provided email for payoff statement

Confirmed expected receipt within 15 minutes

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.

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.

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.

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.

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.

The unified workspace for mortgage origination

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.

Connect with new borrowers

Sequences

Overview

AI Engagement

Overview

Options

Channels

Overview

Communication Channels

Gizmo Mobile

Overview

Capabilities

Build compliant, profitable loans

Pricing

Overview

Pricing Inputs

Credit

Overview

Credit Workflow

AUS

Overview

AUS Flow

Fees

Overview

Fee Sources

LOS Integration

Overview

Sync Areas

Gizmo Agent

Overview

Agent Work

Satisfy closing conditions

Borrower Portal

Overview

Portal Features

Documents

Overview

Document Areas

Income Calculator

Overview

Calculation Support

Conditions

Overview

Condition Workflow

Frequently Asked Questions

Does Gizmo replace our LOS?

Is onboarding complicated?

Will our team actually use it?

Is Gizmo just another CRM or dialer?

What kind of results can we expect?