Elio Embedded
A licensed, operating mortgage business embedded in yours. Capture the mortgage demand already flowing through your business without adding staff or taking on licensing and compliance. Your brand and client relationships stay yours. Elio runs the operation behind them.
What it takes to get started
No upfront investment
No platform fee, no build, no minimums. The economics work because the mortgage operation is ours. Elio provides the technology and operation behind your mortgage offering, with a model designed around your business.
No operation to build
We hold the licenses, the compliance burden, and the operational headcount. You take on none of it.
Your brand, your client
The relationship stays yours. Elio can work behind your brand and existing customer experience, with a dedicated loan officer and the operation to support it.
Built for how your business works
One mortgage operation underneath, tailored to the needs of your business and your clients.
The mortgage arm that becomes part of your team
Bring liability advice into the wealth relationship with a licensed operation that works alongside your advisors, so clients can get mortgage guidance as part of their broader financial plan.
- 01
A mortgage need surfaces during onboarding, planning, or an annual review
- 02
The advisor brings Elio in, carrying existing client context and documents into the mortgage process
- 03
Elio runs the mortgage from application through closing with a dedicated loan officer backed by its platform and operations team
- 04
The advisor stays connected with visibility into every loan, milestone and client interaction throughout the process
For many clients, a mortgage is their largest liability, yet liability advice often sits outside the wealth relationship. Bringing mortgage inside the advisory relationship gives advisors greater visibility into decisions that can affect liquidity, investments, and assets under management, while creating a more connected client experience.
Your clients get
- A mortgage that fits the broader financial plan
- Competitive lender access
- A dedicated loan officer who understands the context behind it
Your practice gets
- A mortgage capability that deepens the client relationship
- Help keeping assets on platform
- No added staff, no mortgage operation to build
Elio handles
- The licensed brokerage and loan officers
- Compliance, processing and operations
- All powered by Elio's AI-native platform
An embedded mortgage arm built around your disposition strategy
Turn more tenants and buyers into homeowners with a mortgage operation built into your existing sales process, helping accelerate dispositions and lower cost of sale without adding overhead.
- 01
Elio identifies potential tenant-buyers and models personalized financing scenarios before the first outreach
- 02
Each tenant sees what homeownership could look like based on their current rent and available financing options
- 03
A dedicated Elio loan officer runs the mortgage from pre-approval through closing, backed by Elio's platform and operations team
- 04
Your team maintains visibility into the pipeline, risk flags and performance through reporting built around your portfolio
Broader buyer coverage and faster pre-approvals can help move portfolios faster. When a tenant buys, the unit stays leased until closing, with no vacancy, make-ready or re-leasing in between.
Your buyers get
- Personalized financing options
- DPA programs and buydowns
- A dedicated loan officer to guide them
Your portfolio gets
- A broader pool of qualified buyers
- Faster dispositions
- A mortgage capability embedded in your existing sales motion
Elio handles
- The licensed mortgage operation and loan officers
- Processing, compliance and technology
- Pipeline visibility and reporting for your team
A mortgage partner built around the closing
Keep mortgage connected to the home-buying relationship, whether agents work alongside a dedicated Elio loan officer, or with options for agents to become licensed to originate themselves.
- 01
When a buyer needs financing, the mortgage stays connected to the brokerage instead of becoming a referral to an outside lender
- 02
Agents can work alongside a dedicated loan officer, or, where appropriate, become licensed to originate themselves
- 03
Elio runs the mortgage from application through closing, coordinating the work required to keep financing on track
- 04
You stay connected to the loan throughout the transaction, with visibility into progress and the milestones that matter
Elio keeps financing connected to the experience you provide, giving your clients dedicated mortgage support while helping you maintain visibility from offer through closing.
Your clients get
- Competitive lender access
- A dedicated loan officer
- A process built for a smooth, predictable closing
Your business gets
- A mortgage capability that extends your client experience
- Agents connected to financing throughout the transaction
- No added staff, no mortgage operation to build
Elio handles
- The licensed brokerage and loan officers
- Compliance, processing and operations
- Powered by Elio's AI-native platform
A mortgage arm built to help you sell more homes
Embed a licensed mortgage operation into your sales process, turning financing into a tool to improve affordability, support incentives and keep closings on track.
- 01
A buyer enters your sales process and Elio engages early to help them get pre-approved
- 02
A dedicated loan officer helps each buyer find the right financing across a broad range of products, including options for buyers who may not initially qualify
- 03
Elio runs the mortgage from pre-approval through closing, coordinating the process around your construction and delivery timeline
- 04
Your team gets live visibility into the pipeline, risk flags and closing forecasts across every community
There is a reason the largest homebuilders operate their own in-house mortgage arms: financing is one of the biggest levers you have to move inventory. Elio brings that capability into your sales process, helping you use financing and incentives to address affordability, identify potential issues before they become cancellations, and keep closings aligned with your delivery schedule.
Your buyers get
- A clear picture of payment and financing options early
- Competitive lender access
- A dedicated loan officer from contract to keys
Your sales team gets
- Greater visibility into financing risk
- Smarter use of incentives
- More predictable closings and better backlog conversion
Elio handles
- The licensed mortgage operation and loan officers
- Processing, compliance and technology
- Financing coordinated around your delivery schedule