Lender A
6.76% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Interest rate6.125%Lock in
Pre-approved$418,000View letter
Clear to close11 daysOn track
Closing dayOct 12Add to calendar
Appraisal$425,000Complete
Monthly payment$2,180See breakdown
The mortgage company built around you.
A new operating model for mortgage: human relationships up front, intelligent agents behind the scenes, and origination that is simpler, more connected and more predictable.
Real estate transactions are messy.
Documents in one inbox, updates in another, and everyone waiting on someone else.
- Due today
Proof of ownership
Waiting on the seller
- Due 3 days ago
Earnest money receipt
Who has the latest copy?
- Due tomorrow
Insurance binder
Lender details missing
- Due in 2 hours
Employment verification
Second follow-up sent
- Due in 2 days
Repair addendum
Two versions in the thread
- Due today
Title commitment
Exceptions not reviewed
- Due yesterday
Gift letter
Donor signature missing
- Due in 4 hours
Rate lock confirmation
Expires before closing?
- Due in 3 days
Flood certification
Ordered, no ETA
- Due tomorrow
Pay stubs
Only one of two received
- Due in 6 days
Condo questionnaire
HOA hasn’t replied
- Due in 1 week
Wire instructions
Verify by phone first
- Due today
Appraisal review
Revision still outstanding
- Due in 3 days
Closing disclosure
Figures don’t match yet
- Due 1 day ago
HOA estoppel letter
No handoff confirmed
- Due in 5 days
Final walk-through
Waiting for a time that works
- Due next week
Signature package
Notary hasn’t confirmed
- Due in 2 days
Bank statements
Large deposit unexplained
- Due tomorrow
Termite inspection
Report not uploaded
- Due in 4 days
Survey
Seller can’t find the original
- Due in 5 days
Homeowner’s insurance
Quote pending
- Due 2 days ago
Tax transcripts
IRS request still open
- Due in 3 days
Seller credits
Amount changed twice
- Due next week
Power of attorney
Lender approval needed
Elio makes the loan process simple
From the first application to post-closing follow-ups, Elio helps prepare the work, coordinate each handoff, and keep everyone moving, with the loan officer in control.
Elio powered Loan Officer
Elio AI
- Organize income documents
- Check application completeness
Next up
- Prepare document checklist
- Upload bank statements
- Share purchase contract
- Schedule the appraisalLater this week
Waiting on borrower
- Review loan estimateOpened 1 hour ago
- Upload bank statementsSent just now
Why loan officers move to Elio
Exponential economics
200 bps on your production with nothing deducted, plus the capacity the platform frees up to close more. The money comes from both working together.
Human support, powered by technology
Processing, workflow, and operations already built and staffed, giving you a real operation behind every loan without having to build and manage one yourself.
AI-powered capacity to grow
One platform that knows your whole book, preps every next step, and helps you be better at the job, not just faster.
The best of both. Built into one.
| What matters | Retail | Brokerage | |
|---|---|---|---|
| Support | ✓Strong support | !Less support | ✓Retail-level support |
| Economics | !Weak economics | ✓Better economics | ✓Broker-level economics |
| Loan products | !Limited choice | ✓More choice | ✓Broker-level choice |
| The operation | ✓Infrastructure, processing and operational support | !Fragmented portals, processes and support | ✓A fully built and staffed operation, coordinated through one AI-native platform |
Buying or refinancing?
A dedicated loan officer who knows your name, with technology that makes the mortgage easy.
Rates dipped this morning, so I locked you in at 5.99% before the weekend.
That was fast. Thank you!
Closing docs are ready for Thursday.
More lenders.
More options
Elio isn’t limited to one lender’s products or rate sheet. Your loan officer helps you compare the options and understand the tradeoffs.
Lender B
6.92% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender C
7.08% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender D
6.80% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender E
6.83% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender F
6.86% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender G
6.89% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender H
6.95% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender I
6.98% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender J
7.01% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender K
7.04% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender L
7.11% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender M
7.14% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender N
7.17% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender O
7.20% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender P
6.79% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender Q
6.82% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender R
6.85% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender S
6.88% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender T
6.91% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender U
6.94% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender V
6.97% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
Lender W
7.00% rate
- Compare lender fees and credits
- Review down-payment options
- Account for prepaid closing costs
- Balance upfront cost with payment
Lender X
7.03% rate
- Match loan programs to your goals
- Review income documentation
- Compare fixed and adjustable terms
- Consider how long you’ll own the home
Lender Y
7.06% rate
- Compare monthly principal + interest
- Review the rate and the fees together
- Weigh points against monthly savings
- Plan for taxes and insurance
I came for the economics, but the operation changed everything. My book is bigger than ever, and I’m not up at midnight holding it all together. With four kids in sports, I can grow my business and still be there for my life.