Now in private beta with Amaris

Talk for five
minutes. Done.

Voice to Mortgage is an AI scribe for home loans. Tell us about your loan in plain English (or seven other languages). We fill out your Fannie Mae 1003, verify your income with Plaid, and hand a ready-to-fund file to your lender. No forms. No data entry.

Start your application→See how it works

No SSN required for a pre-approval estimate · Your data never leaves the US · You always own your application

Application 2026-05-24Live

Listening

AI:Got it. And what's the purchase price you're looking at?

You: Somewhere around six twenty.

AI:Perfect. With your twenty percent down on $620,000, that's a $496,000 loan. Let me pull a quick rate scenario…

Loan amount$496,000✓
Loan purposePurchase✓
OccupancyPrimary residence✓
Property value$620,000✓
Income (annual)Verifying via Plaid…
Section 4 of 81003 · 3:14 elapsed
Powered by OpenAI RealtimePlaid Income & Asset VerificationFannie Mae 1003 / MISMO 3.4Freddie Mac AIMICE Encompass-readyDay 1 CertaintyPersona KYC livenessSOC 2 in progressPowered by OpenAI RealtimePlaid Income & Asset VerificationFannie Mae 1003 / MISMO 3.4Freddie Mac AIMICE Encompass-readyDay 1 CertaintyPersona KYC livenessSOC 2 in progress

How it works

From “I want a loan” to a real lender calling you in one sitting.

01Voice

Talk for five minutes

Open the link on any phone. Tap the mic. Tell the AI scribe about your loan in plain English, Spanish, Mandarin, or five more languages. It asks the right questions in the right order.

02Verify

Connect your bank, snap your ID

Plaid links to your bank in one tap and verifies 12 months of income, employment, and assets — the same checks Fannie Mae's Day 1 Certainty requires for rep-and-warrant relief. KYC liveness happens with your phone camera.

03Done

A lender contacts you the same day

Your 1003 is delivered as MISMO 3.4 XML directly into the lender's Encompass. A real loan officer reaches out with a real pre-approval letter — typically in under an hour.

For borrowers

The fastest mortgage you'll ever apply for.

  • No forms. No paperwork. No “upload your last two pay stubs.”
  • Talk in the language you speak at home. We support English, Spanish, Mandarin, Vietnamese, Tagalog, Korean, Portuguese, Russian.
  • Plaid + Day 1 Certainty means your income is validated automatically. Fewer surprises at closing.
  • A real loan officer reaches out — not a chatbot pretending to be one.

For lenders

Leads that don't need a data-entry intern.

  • Every lead arrives as a fully-baked MISMO 3.4 XML, dropped straight into your Encompass instance.
  • Income, employment, and assets are already validated via Plaid for Day 1 Certainty rep-and-warrant relief.
  • KYC liveness check is done. Eligibility matrix queried in real time. No surprises in underwriting.
  • $1,500 per delivered lead — vs. the ~$4,000 per closed loan you spend on internal sales today.
See lender pricing →
5 minAverage voice intake timevs. 45+ min for a typical form-based 1003.
$2,500Saved per closed loan$1,500 / lead vs. ~$4,000 internal sales cost.
12 mo.Of Plaid-verified incomeDay 1 Certainty eligible by default.
8 languagesSupported at launchVoice intake in the language you actually speak.

For lenders

Stop paying $4,000 per closed loan for cold, half-filled leads.

We hand your loan officers leads that are already pre-baked: voice intake complete, 1003 populated, income verified, KYC done, and checked against the current Fannie + Freddie eligibility matrices. They contact a warm borrower. They don't fight a CRM.

Currently onboarding 5 lender design partners. If you originate $500M+ per year and run on Encompass, we want to talk.

Become a design partner →

Pricing

Per delivered lead
Tier 1$1,500
Full-stack lead
  • Voice intake (5 min, 8 languages)
  • Plaid-verified income + assets (Day 1 Certainty)
  • KYC liveness verified (Persona)
  • Passes Fannie + Freddie auto-underwrite simulation
  • Delivered as MISMO 3.4 XML into your Encompass
Tier 2$800
Voice + Plaid (no KYC)
  • Voice intake complete
  • Plaid-verified income + assets
  • KYC deferred to your standard close flow
  • Delivered as MISMO 3.4 XML
Tier 3$300
Voice-only
  • Voice intake complete
  • Borrower didn't link Plaid
  • Still ahead of any form-based lead — call them fast

All leads are exclusive to your shop. Setup integration into your Encompass instance: $5K one-time. No subscription. No seat fee.

FAQ

Common questions.

Are you a lender?
No. We are a voice-driven application intake service. You apply through us. We hand your application to a licensed mortgage lender of our choice (or yours). They underwrite, approve, and fund the loan.
How is this different from Rocket Mortgage or Better.com?
They give you a long form on a website. We give you a five-minute conversation on your phone. The data we hand to lenders is the same Fannie Mae 1003, but produced 10× faster — and we are not a lender, so you keep choice.
Is my data safe?
Yes. Voice transcripts and PII are encrypted at rest, never shared with anyone except the lender you're matched to, and never used to train any model. SOC 2 audit is in progress.
What languages do you support?
At launch: English, Spanish, Mandarin, Vietnamese, Tagalog, Korean, Portuguese, Russian. Others on request.
Can a loan officer use this on a sales call instead of sending it to me?
Yes — and that's our hidden superpower. Loan officers can record their consultation call with you. Our AI listens passively and fills in your 1003 in the background. By the time the call ends, your application is done.
What does it cost the borrower?
Nothing. The lender pays for the delivered lead. Your application is free.

Tap. Talk. Mortgage done.

Five minutes of voice. Zero forms. A real lender on the other side.

Start your application →