TechStack Refi IQ
vs HomeBot.
An honest, side-by-side look. Not a hit piece. HomeBot does its job well — here's where it shines, where TechStack Refi IQ differs, and how to decide which one (or both) belongs in your stack.
If your strategy is passive brand-presence and you don't want a workflow to manage, HomeBot does that job well.
If you want a daily action list of past clients to actually call — with rate math, ARM timing, and the draft message ready — Refi IQ is built for that.
Yes. HomeBot keeps you visible in inboxes monthly; Refi IQ tells you which of those inbox openers to convert into a phone call this week.
What HomeBot does well.
HomeBot mails homeowners a monthly report on their property value, equity position, and refinance opportunities. Branded by the loan officer who originated the loan. Strong, well-known product in the LO world for keeping past clients warm at minimal effort.
- Automated monthly equity reports look genuinely useful to homeowners
- Loan officer's brand stays in front of past clients passively
- Low effort to deploy — set it up, it runs
- Real-estate-agent co-marketing features
- Wide adoption means clients sometimes recognize the format
We have nothing bad to say about HomeBot. They're solid in their lane. The question is whether their lane is the one you most need filled.
Where TechStack Refi IQ goes further.
Passive presence vs active intelligence
HomeBot keeps your name in your past clients' inbox. Refi IQ tells you *which past client to call today* — sorted by projected annual savings if they refinance now. Different jobs: HomeBot is the email; Refi IQ is the action list.
Pipeline NPV — your book priced as an asset
HomeBot reports each client's equity. Refi IQ aggregates your *entire career book* and prices it as a single asset (Pipeline NPV) — a number that moves daily and shows you exactly where your highest-value opportunities sit.
Per-borrower drift, ARM resets, anniversary triggers
HomeBot is rate-and-equity-driven. Refi IQ adds the workflow layer: ARM reset calendar (12-month pre-reset cadence), purchase-anniversary triggers (year 1, 3, 5, 7, 10), HELOC opportunity flags, second-home signal detection, credit-improvement windows.
Voice-trained outreach drafts
HomeBot ships an emailed report. Refi IQ drafts the *follow-up message* — in your voice — that turns the rate signal into a conversation. The two are sequential, not redundant.
Feature-by-feature.
| Capability | HomeBot | TechStack Refi IQ |
|---|---|---|
| Monthly homeowner equity report | ✓ | — |
| Branded LO landing page | ✓ | — |
| Real-estate-agent co-marketing | ✓ | — |
| Pipeline NPV (book valuation) | — | ✓ |
| Per-borrower drift / churn | — | ✓ (Drift Radar) |
| Rate-Drop Radar (sorted by savings) | Aggregate | Per-borrower with refinance math |
| ARM Reset Calendar (12-mo cadence) | — | ✓ |
| Anniversary triggers (year 1/3/5/7/10) | — | ✓ |
| HELOC + Cash-out + Second-home signals | Limited | ✓ |
| Voice-trained outreach drafts | — | ✓ |
| Compliance-aware drafts (RESPA/TILA) | — | ✓ |
| Pricing model | Per-LO subscription | Performance: base + per-closed-deal, capped |
Comparison reflects publicly stated features as of April 2026. Both products evolve quickly — verify against vendor sites before purchase.
How to decide.
The most useful framing isn't "which tool wins" — it's "which problem are you actually trying to solve right now?"
If your problem is mortgage equity intelligence — HomeBot is the category leader and you should evaluate them seriously. They've spent years optimizing for that exact job and the depth shows.
If your problem is the relationship intelligence layer — knowing which clients are quietly drifting, what your book is worth as an asset, and how to reactivate dormant clients in your own voice — that's what TechStack Refi IQ was built for. HomeBot doesn't try to solve those problems and that's fine.
If both problems are real, run both. We integrate cleanly with most major platforms via CSV import or direct API. Nothing about TechStack requires you to rip and replace your existing booking system, CRM, or LOS.
Easiest way to decide for your specific situation
Bring a CSV export of your current book to a 15-minute demo. We'll run TechStack Refi IQ on your real data and show you exactly which capabilities would change your numbers — and which you don't actually need.
Book a demo on your dataReady to see TechStack Refi IQ on your real data?
15-minute walkthrough. Bring a CSV export. We'll show you the intelligence layer running on your actual book.