For Agents - PocketMLO

The Problem

Buyers risk your deals. Education and preparation are the solution.

From Education to Pre-Qualification in seconds

Buyers are the biggest risk to the closing table. Enlist PocketMLO to get them as solid as possible. Increase close rates and delight your customers.

Embedded everywhere your buyers are

On your website, in your emails, or as a standalone link. PocketMLO meets buyers in their moment of curiosity—before they ghost or shop around.

Unprepared buyers

Buyers show up to showings without understanding what they can afford, wasting everyone's time.

How It Works

A loan officer in your buyer's pocket

Embedded in your workflow

PocketMLO lives wherever your buyers are—your website, listing pages, or as a direct link. They get instant answers without leaving your ecosystem.

Widget embeds on your website

Custom branded link to share

Works 24/7, never takes a day off

Inbox

Andrew Arrigo · SERHANT.

Your home search just got easier 🏡

2m ago

Hi Sarah,

I wanted to share a tool that my clients have been loving. PocketMLO is your personal mortgage guide — available 24/7 to answer questions about financing, pre-approval, and what you can afford.

Whether you're curious about rates, down payment options, or just want to understand the process — it's all right here:

Chat with PocketMLO →

No pressure, no commitment. Just answers when you need them.

— Andrew

Miles ● Online

What's a healthy DTI ratio? I'm at about 38% right now — is that too high to get approved?

Miles

38% is within range for most programs — conventional allows up to 45%, FHA up to 56.9%. You're in solid shape. It'll depend on your credit score and reserves too.

Good to know. Also — can I use my Roth IRA for a down payment?

Miles

Yes! Roth IRA contributions can be withdrawn penalty-free anytime — including for a down payment. If the account is 5+ years old, you can also pull up to $10K in earnings as a first-time buyer. Want me to run the numbers?

Ask about rates, pre-approval, affordability...

PocketMLO

7 new conversations, one new pre-qualification

1m ago

Real-time intent signals

Know when your buyers are actively engaging. Get notified when someone asks about rates, requests a pre-approval, or signals they're ready to make an offer.

Instant notifications when buyers show intent

See conversation summaries and buyer readiness

Prioritize hot leads automatically

Live Activity

4 new

🔥

Sarah M. Hot Lead

Pre-approved for $975K — looking for condos in 11238

2 min ago

💬

James T. Engaged

Interested in house-hacking, has $150K for down payment, looking for 2-4 unit homes in 07020

8 min ago

✅

Maria L. Hot Lead

Completed pre-qualification — ready to tour

14 min ago

📊

David R. New

Exploring affordability — asked about DTI

22 min ago

🏠

Rachel K. Engaged

Comparing down payment scenarios

35 min ago

Better prepared buyers

Buyers arrive at showings already pre-approved, educated about their budget, and ready to move fast when they find the right property.

Pre-approvals in five minutes

Budget education before house hunting

Faster closings, fewer surprises

Buyer Journey Sarah M. · 11238

Closed 🎉

✓

Pre-approval secured

Approved for $975K · 760 FICO · 28% DTI

Jan 12

✓

Offer submitted

$940K on 2BR condo · 15% down · waived appraisal

Jan 28

✓

Under contract

Inspection passed · appraisal cleared · clear to close

Feb 3

★

We've closed

Keys in hand · 24 days from first chat to close

Feb 5

24 days

First chat → close

$940K

Purchase price

0 hrs

Your time on mortgage Q&A

A dedicated loan officer, available wherever your buyers are

Buyers risk your deals. Education and preparation are the solution.

From Education to Pre-Qualification in seconds

Embedded everywhere your buyers are

Unprepared buyers

A loan officer in your buyer's pocket

Embedded in your workflow

Real-time intent signals

Better prepared buyers

The numbers that matter

Up and running in minutes

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