For loan officers
Close more loans.
Sell more homes for your realtors.
Show realtors why a smaller seller contribution beats a bigger price cut — and let AI handle the borrower follow-up.
Your realtors are negotiating price drops when a smaller seller contribution toward a rate buydown saves the buyer more per month. When you can show the math, you close the deal.
- HUD FHA Guidelines
- CFPB Standards
- Live Market Rates
- LLPA Optimization
- County Tax Data
Everything you need to run your pipeline
Borrower management, listing analysis, AI coaching, and branded marketing — all in one place.
Borrower Management
Add leads from your dashboard or AI chat. Track qualification status, gap analysis, and coaching progress per borrower.
Listing Analysis
For any listing, see the best loan products assuming a perfect borrower. Show realtors what programs work before you even have a buyer.
Marketing Materials
Generate branded flyers and scenario comparisons for your realtors to share with prospects.
AI Coaching
Haven coaches your leads toward qualification via business SMS and WhatsApp. Checks in at the cadence they choose — daily, weekly, or monthly.
Rate Alerts
Get notified when rate movements bring a borrower closer to qualifying. Strike when a 5-10 point drop closes the gap.
Scenario Comparison
Run side-by-side loan comparisons per borrower. FHA vs Conventional vs ARM vs USDA — find the best fit.
How it works
From lead to close in three steps. You bring the relationships — we bring the engine.
Add a listing or borrower
From your dashboard or via AI chat. Seed partial data if you have it — Haven fills in the rest.
Engine finds the best structure
We test every loan type, buydown option, and seller contribution strategy to find the strongest fit.
Market and close
Share branded materials with realtors. AI coaches leads toward qualification. You get notified when they are ready.
Why realtors love working with you
Realtors default to price drops because they do not know the alternative. When you show the math, you become the LO they call first.
$15,000 Price Cut
~$85/mo
Saved on payment
Seller gives up $15k in equity. Buyer barely notices the difference on their monthly bill.
$5,000 Seller Contribution
~$200/mo
Saved on payment via rate buydown
Seller spends a third as much. Buyer saves more than double per month. Both sides win.
The contribution strategy wins for both seller and buyer.
A seller contribution toward a rate buydown puts more money in the buyer's pocket every month while costing the seller far less than a price reduction. Money Bucket calculates the exact numbers for every listing so you can show your realtors the proof.
Based on illustrative rates and a 30-year fixed mortgage. Your results depend on actual loan terms and rate environment.
Your dashboard
Everything in one place
Borrower pipeline, listing analysis, coaching alerts, and lead reactivation — all from a single view.
Borrower pipeline
Qualification status, gap scores, and next actions for every lead
Listings
Best-fit loan products per listing, ready to share with realtors
Recent activity
Coaching conversations, milestone alerts, and rate-watch triggers
Lead reactivation
Borrowers who just crossed a qualification threshold due to market movement
Haven handles the follow-up
Your AI assistant coaches borrowers toward qualification, checks in on their schedule, and alerts you when they cross the line.
Business SMS and WhatsApp
Haven reaches borrowers where they already are. No app downloads, no portals — just a conversation.
Rate-Watch Alerts
When a 5-10 basis point drop brings a borrower across the qualification threshold, you hear about it immediately.
Lead Reactivation
Leads that went cold six months ago may now qualify. Haven monitors them daily and surfaces new opportunities.
Start closing more loans.
Free to start. No contracts. Your realtors will thank you.