Your LOS sees
active files.
Refi IQ sees the whole book.
A private-wealth-calibrated refi intelligence platform for mortgage loan officers. Consolidates every past client across every LOS you've ever worked — then tells you who to call today, why it matters, and what to say.
Your best deals are invisible to every tool you own.
A top jumbo loan officer closes 800-2,000 loans over a career. Spread across five firms. Half in systems you no longer have access to.
Your current LOS sees active files. Your CRM sees open leads. Your pricing engine sees today's sheet. None of them see the $200M+ book you already closed — who's ready for a refi, who's sitting on $500K of untapped equity, who just crossed a 740 credit tier, whose ARM is resetting in Q3.
Refi IQ is the lens your stack is missing.
Monday morning, Refi IQ
tells you exactly what to do.
Every other tool in this category hands you a dashboard of numbers and assumes you'll figure out what matters. We analyze your entire book and rank the moves for you — ordered by urgency, impact, and effort. One focus client to call first. Three prioritized plays for the week. Plain English. Real dollars. That's the whole game.
The analyzer scores every client across all seven triggers, weights by projected LO comp × urgency × probability, and surfaces the single highest-leverage move each day.
"It's like having a senior advisor review your book every morning before you walk in."
Seven triggers. Seven different kinds of revenue.
Most tools in this category watch one or two things. Refi IQ watches seven — because mortgage revenue doesn't come from just one place. Each trigger has its own economics, its own messaging, its own ideal outreach window.
Rate-Drop Radar
Refi when the market moves.Every past client ranked by spread vs today's market, sorted by projected annual P&I savings. Hot / Warm / Watch tiers.
Sales Boomerang has this — they only watch your current LOS. We watch your entire career book.
HELOC Radar
Untapped equity · rate-proof.Clients with 2+ years of tenure and significant appreciation. HELOCs fire regardless of rate environment — they close in any market.
Nobody else ranks HELOC candidates by line size and LO comp simultaneously. HomeBot shows equity to clients; we show it to you first.
Cash-Out Opportunities
For clients locked into a 2.9% first.Second-mortgage candidates — meaningful equity but a primary rate too low to refi. Preserve the 1st, tap the equity via the 2nd.
No other product in this category surfaces cash-out candidates as a distinct trigger from rate-drop refis.
Second-Home Signals
Long-tenure luxury → next purchase.4+ years in a luxury primary + significant equity + Westside/luxury zip = statistical pattern for vacation home, investment property, or child's first home.
This isn't watched by any existing product. Full purchase loans are the highest-comp deals in mortgage.
Credit Improvement Alerts
Tier crossings unlock deals.Soft-pull monitoring flags clients whose credit scores crossed a jumbo pricing tier (700/720/740/760/780). Unlocks pricing improvements of 0.125-0.25%.
Sales Boomerang has credit-score change detection. We specifically watch jumbo pricing tier breaks — the ones that actually move rate.
ARM Reset Calendar
Be first, not last.Every 5/1, 7/1, 10/1 ARM in your book, timelined by quarter. Critical (≤90d) / Urgent / Approaching / Monitor / Safe.
Available in most CRMs but buried. We surface it as a dedicated tier-coded calendar.
Anniversary Triggers
The touch that isn't a pitch.Clients hitting 1/3/5/7/10/15/20-year purchase milestones. Pure relationship — no CTA, no offer. The clients who get remembered refer.
Total Expert has birthday campaigns. We specifically flag purchase anniversaries with milestone detection.
How we stack up explicitly.
We won't dance around it. Here's exactly what Refi IQ does that Total Expert, Sales Boomerang, HomeBot, and MBS Highway don't — and where they each still have their own place.
| Feature | Refi IQ $799/mo | Total Expert $69-150/mo | Sales Boomerang $500-2.5K/mo | HomeBot $125-300/mo | MBS Highway $167-200/mo |
|---|---|---|---|---|---|
| Consolidates every LOS you've ever worked | ✓ | — | — | — | — |
| Built specifically for jumbo / luxury books | ✓ | — | — | — | — |
| Rate-drop refi detection | ✓ | ✓ | ✓ | — | — |
| HELOC candidate radar (line size + comp) | ✓ | — | — | partial | — |
| Cash-out second-mortgage detection | ✓ | — | partial | — | — |
| Second-home / investment property signals | ✓ | — | — | — | — |
| Credit-tier-break alerts (700/720/740/760/780) | ✓ | — | partial | — | — |
| ARM reset calendar with tiering | ✓ | partial | ✓ | — | — |
| Anniversary / milestone detection | ✓ | ✓ | — | — | — |
| Construction draw-to-perm tracking | ✓ | — | — | — | — |
| Self-analyzer (weekly action plan, focus client) | ✓ | — | — | — | — |
| Jumbo-specific competitor pricing table | ✓ | — | — | — | partial |
| Book appreciation tracker (total equity view) | ✓ | — | — | partial | — |
| Drafts for review (operator stays final filter) | ✓ | — | — | — | — |
| RESPA/TILA/TCPA compliance notes per draft | ✓ | partial | — | — | — |
Total Expert / Surefire / Jungo are real CRMs. If you don't have one, you need one — for new-lead conversion, pipeline management, email sequences. We're not a CRM.
HomeBot is a client-facing product. It sends monthly home-value reports to your borrowers. That's valuable in its own right.
MBS Highway is the best daily market-intelligence tool for loan officers. We don't try to replace it. We integrate your pricing from it.
Refi IQ is the past-book intelligence layer none of them build. We consolidate every LOS you've ever worked, watch seven trigger types simultaneously, and tell you what to do with plain English.
If your career book is worth tens of millions in lifetime commission and nobody's systematically working it — that's the gap we fill.
You only pay more when it works.
Performance pricing means slow months are cheap and great months pay for themselves. A recovered jumbo refi generates 5-10× the per-deal fee in LO commission. Your cost scales with your results — and never above our Flat rate.
We only make money when you do.
Performance is our flagship plan. You pay a modest base, plus a fee on each recovered deal from your past book — capped so it never exceeds our Flat plan. Most LOs start here because the math is hard to argue with. Flat is for the ones running the tool at scale who want zero variability.
Performance
We only make money when you do.
- — All seven triggers, self-analyzer, competitor pricing
- — Weekly rate-market refresh, market pulse
- — Every recovered deal tracked in the dashboard
- — Monthly reconciliation — dispute anything
- — Month-to-month, no contract
Flat
For LOs with proven volume who want predictability.
- — Everything in Performance
- — No per-deal fee, no cap to hit
- — Best for LOs with established reactivation cadence
- — Fully predictable for budgeting
- — Month-to-month, no contract
Partner Network
LO–realtor teams working in lockstep.
- — Everything in Performance or Flat
- — Shared book visibility LO + realtor
- — Co-branded outreach templates
- — Unified partnership reporting
- — Volume pricing across seats
Enterprise
Branches, boutiques, multi-region teams.
- — 10+ LOs, unlimited seats
- — SCIM provisioning, audit logs
- — Custom BAA + state attestations
- — Encompass-native integration path
- — Volume pricing + MSA options
The questions every LO asks.
Not here? Reach out directly — hello@techstackllc.info.
How is this different from my LOS or CRM? +
Do I give up control over what gets sent? +
What about compliance? My firm has a policy. +
My book is spread across 4 different systems. Does that matter? +
I work conforming, not jumbo. Is this for me? +
How do the drafts know my voice? +
What happens when rates move? +
Is there a contract or minimum term? +
Three things no other LO tool is doing.
Total Expert sends birthday cards. Sales Boomerang pings you on rate drops. HomeBot mails equity updates. We go further.
Your pipeline, priced like an asset.
Every LO tool shows volume closed. We show you Pipeline NPV — the present value of the future originations embedded in your current book, discounted and weighted by each borrower's likelihood of refinancing with you. It moves every day.
Stop thinking in monthly pulls. Start thinking in asset value.
Churn prediction, per borrower.
Not "haven't talked in 6 months." Each borrower has a personal contact cadence. A quarterly-touch client at month 4 is different from a quarterly-touch client at month 9. We score each one against their own history, with a reason.
Every score explains itself. No black boxes, no guessing — we tell you why.
Drafts that sound like you.
Paste 15 emails you've sent to past clients. We learn how you write — greeting, sign-off, sentence length, the way you say "congrats on the anniversary" vs "happy homeownership day." Every draft we hand you sounds like it's yours.
Your tone, a little warmer, a little more direct. Pick one. Send from your own inbox.
Bring a CSV export
from any system.
We'll show you what's in it.
A 30-minute call. We import a sample of your book, run the triggers against today's market, and walk you through what a week of outreach would look like. No slide deck, no hard sell.