Live in hours.Not the months a typical PPE takes.
Connect Encompass read-only, point the lock inbox and Google Chat at Secondarymkt, and every investor's rate sheets and guidelines are ingested. Your first lock request is priced and waiting for approval the same day.
- From connection to the first lock request
- Hours
- Encompass by default; write-back is opt-in
- Read-only
- Rate sheets and guidelines ingested in hours
- Every investor
- Before anything is submitted to an investor
- 1 approval
Hour by hour.From read-only access to the first lock.
No migration project and no rules team rebuilding your investors by hand. The desk keeps working while we set up around it.
- Hour 0
Connect your LOS, read-only
Grant read access to the pipeline. Nothing writes back to the LOS unless you turn write-back on later.
- Pipeline syncing every minute
- Loan fields mapped
- Write-back off by default
- Hour 1
Credentials into the vault
Investor portal logins and service accounts go into the encrypted vault. They're used only for the lock workflows; nobody pastes them into chat.
- Encrypted at rest
- Used only for lock workflows
- Every use audited
- Hour 2
Point the lock inbox and Google Chat
Forward the lock desk inbox and add Secondarymkt to your Google Chat space. Requests from loan officers start arriving as lock cards.
- Lock emails read and matched to loans
- Chat requests in the same queue
- One conversation per request
- Hours 3 to 5
Every investor's rate sheets and guidelines
Each investor's sheets are collected by email, portal or link and every grid and LLPA parsed. Guidelines are read so eligibility rules point to their page.
- Every grid and adjustment parsed
- Freshness tracked per investor
- Rules traced to the guideline page
- Hour 6
Load your execution policy
Your best-efforts and mandatory rules, lock limits and who approves what. Exceptions and over-limit locks route to that person.
- BE vs mandatory per loan
- Approvers per limit
- Exceptions with the reason
- Hour 7
First lock request
A real request comes in, is priced across every investor, gets its BE or mandatory answer and waits for your approval before anything is submitted.
- Priced N-to-N
- Approval card with exact terms
- Live run in the investor portal
An illustrative first day. Hours depend on the number of investors and how their sheets arrive.
The LOS you already run.Connected in hours.
Secondarymkt reads the pipeline, loan fields and lock status from your LOS. It stays read-only unless you turn on write-back.
EncompassICE Mortgage Technology
EmpowerDark Matter Technologies
MeridianLink MortgageMeridianLink
Calyx PATHCalyx Software
Blue Sage LOSBlue Sage Solutions
Running another LOS? Tell us which one and we connect it.
The pipeline, synced every minute.
Loans arrive from Encompass with the fields pricing and locking need. The Lockable today view shows each unlocked loan's best investor and price, so the desk sees what it can lock before anyone asks.
- Pipeline synced every minute
- Lockable today: best investor and price per unlocked loan
- Price a loan straight from the pipeline
- Read-only by default; write-back is opt-in
Requests arrive where they already do.Locks land in the investor's own portal.
Loan officers keep emailing the lock inbox and messaging in Google Chat. Every request becomes one conversation, and approved locks run in the investor portal in a live browser.
- Email
The lock inbox
Forward the desk's lock inbox. Each request is read, every value traced to the email text and matched to the pipeline loan.
- Requests, extensions and re-locks
- Attachments read
- Matched to the Encompass loan
- Chat
Google Chat
Add Secondarymkt to the space your loan officers already use. Ask for a price, a lock or why a loan is ineligible, and get the answer in the thread.
- Same queue as email
- Answers grounded in the loan record
- One conversation per request
- Investor portals
A live browser
After a person approves, the investor's lock automation runs in the portal with a live browser view. Checkpoints and failures surface on the card.
- Credentials from the vault
- Every step shown
- Nothing auto-resubmits
Every value traced to the email it came from.
Each lock email is read, the loan number, product, rate and lock period pulled out, and the request matched to the pipeline loan and its lock request. Missing inputs are asked for, not guessed.
- Every value traced to the email text
- Matched to the Encompass loan
- Linked to its lock request
- Missing inputs requested in the thread
The lock runs in the portal, and you watch it.
Once a person approves, the investor's lock automation signs in with credentials from the vault and works through the portal in a live browser. Each step is shown; a checkpoint or failure stops the run and surfaces on the card.
- Live browser view of the investor portal
- Each workflow step shown, ending at submit
- Failures surface on the card
- Nothing auto-resubmits
Every investor ingested in hours.The same day you connect.
Bring your investors. Their sheets are collected wherever they arrive and every grid and LLPA parsed; guidelines are read so every eligibility rule points to its page.
Collected by email, portal or link, and parsed as they land.
Each investor's sheets are picked up on their own schedule, every grid and adjustment parsed, and freshness tracked per investor. When a sheet changes mid-day, affected prices are flagged for re-price.
- Sheets by email, portal or link
- Every grid and LLPA parsed
- Freshness tracked per investor
- Re-prices flagged when a sheet changes
- Eligibility rules traced to the guideline page
What gets ingested
- Rate sheetsBase price grids for every product, rate and lock period.
- LLPAsEvery adjustment grid, applied and shown on every price.
- GuidelinesEligibility rules, each traced to the page it came from.
- ProductsEvery product each investor offers, priced at every rate and lock period.
- Your execution policyBest efforts or mandatory per loan, with the deciding rule.
- Your approversWho signs off on which limits, exceptions and over-limit locks.
Read-only until you say otherwise.And nothing locks without a person.
Access is scoped, credentials stay in the vault, every lock needs an approval and every action is written to the audit trail.
- Approvals on every lockExceptions and over-limit locks route to the right approver.
- Read-only by defaultPricing and locking read Encompass; nothing writes back.
- Opt-in write-backTurn on write-back to Encompass only when you choose to.
- Encrypted vaultInvestor and LOS credentials stored encrypted, used only for lock workflows.
- Full audit trailEvery price, answer, approval and portal step recorded.
- No silent retriesFailures stop on the card for a person; nothing auto-resubmits.
- Pricing engineEvery loan across every investor, every LLPA traced.
- Lock deskRequests read, priced and locked after you approve.
- HedgingPosition, coverage, trades and BE vs mandatory per loan.
- Secondary MKT AdvisorsAdvisory and loan sales: bids, commitments, investors.
- CompareSecondarymkt against the best alternatives.
Bring us your next lock request.We'll walk it to confirmation.
A working session on your own loans and investors.
- A person approves every lock
- LOS read-only by default
- Encrypted credential vault
- Full audit trail