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Mortgage brokers

From rate request to clear to close, on one borrower.

TalaLevel answers the rate request, asks what an underwriter asks, collects the pay stubs and statements, works out DTI and LTV, flags what needs sourcing and keeps the loan through to funding. Set up for you.

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The whole process

Ten stages, from rate request to the anniversary.

This is how a borrower moves through TalaLevel. Each step says who does it. Stages marked “Set up for you” are configured in your workspace by a TalaLevel representative: your document reader, your programs, your 1003. You don't build anything. Licensing, disclosures and what may be said to a borrower are yours.

Runs todayworks the day you sign upSet up for youa TalaLevel representative sets it up in your workspace
01 / 10

Lead in

Runs today

Borrowers come in from wherever you find them, and each lands on a lead.

  1. The borrower

    Replies, calls or fills in a form

    Your rate-quote form, a realtor's referral, a call in, a list you import, or past clients.

  2. TalaLevel

    Finds their lead

    A text or a call is matched to the lead by its number, so the reply lands where the rep expects it.

  3. TalaLevel

    Cleans the list before a text is spent

    Opted-out numbers, landlines and numbers that can't take a text are dropped from a batch before it sends.

02 / 10

First answer

Runs today

The reply is read, the status set, and someone answers while they still have the phone in hand.

  1. TalaLevel

    Files the reply and tells the team

    The text lands on the lead, and the reps' phones get a push.

  2. TalaLevel

    Reads it and sets the status

    Interested, not interested or call later, from what they actually wrote.

  3. Tala

    Answers, if you switched her on

    Tala replies in your words, from your own numbers, and keeps the conversation going until a person takes it.

03 / 10

Qualifying

Runs today

The questions an underwriter asks, asked before anyone pulls credit.

  1. Tala

    Asks what an underwriter asks

    Purchase or refinance, the price or value, the down payment, W-2 or self-employed, a rough credit range, the timeline and the property type.

  2. Tala

    Asks for the documents

    Once it's worth it, the pay stubs, W-2s and bank statements, by text or by email.

  3. Joey

    Or Joey asks on the call

    If Joey, the AI caller, reaches them, he asks the same questions on the phone.

  4. Your rep

    Takes over when it matters

    Anything about a rate or a payment hands the lead to a person at once, with a push.

04 / 10

Documents in

Set up for you

Files arrive any way the borrower sends them, and only what is missing is asked for again.

  1. The borrower

    Sends what they have

    Two months of bank statements, 30 days of pay stubs, two years of W-2s and tax returns, ID and the purchase contract.

  2. TalaLevel

    Sorts and names every file

    Filed by kind and renamed by month or year.

  3. TalaLevel

    Knows what is still missing

    Pages, months and years, document by document.

  4. Tala

    Asks only for those

    “Thanks, got both W-2s and the October stub. Just need your latest pay stub.”

05 / 10

Read

Set up for you

Income, assets and debts read the way an underwriter reads them.

  1. TalaLevel

    Reads the income

    Qualifying monthly income from the pay stubs and W-2s, or from two years of returns when self-employed.

  2. TalaLevel

    Reads the bank statements

    With the same statement reader as our funding floor: balances, deposits and returned items, month by month.

  3. TalaLevel

    Works out the ratios

    Debt-to-income, loan-to-value and reserves in months.

06 / 10

Flags and program

Set up for you

What an underwriter would condition, said before the file goes out.

  1. TalaLevel

    Names the program

    Conventional, FHA, VA, USDA, jumbo or non-QM.

  2. TalaLevel

    Says submit, fix first or not yet

    With the reason in a line.

  3. TalaLevel

    Lists the questions to ask

    A deposit to source, a gap to explain.

  4. Your rep

    Gets a push when it is ready

    A clean file sends “Ready to submit” to the loan officer's phone.

07 / 10

Application

Set up for you

The 1003 filled from the file and checked before it goes.

  1. TalaLevel

    Fills the 1003

    From the documents and the conversation.

  2. TalaLevel

    Holds it against the file

    Income or debts that differ from the documents are shown, never silently changed.

  3. Your rep

    Types the private part and sends

    The borrower's SSN and date of birth are typed at send and never stored.

08 / 10

Submitted

Set up for you

The file to the wholesale lender, and the conditions back on the lead.

  1. Your rep

    Submits to the lender

    The 1003 and the documents together.

  2. TalaLevel

    Keeps the conditions

    Each condition and the document that clears it.

  3. Tala

    Asks the borrower for each one

    Only what a condition still needs.

09 / 10

Funded and paid

Runs today

The loan and the comp on the lead, not in a spreadsheet at month end.

  1. Your rep

    Marks it locked, clear to close and funded

    As each happens, on the deal.

  2. Your rep

    Records the comp

    In basis points or dollars.

  3. TalaLevel

    Works out each loan officer's share

    Taken back on an early payoff, if that is your rule.

10 / 10

Coming back

Set up for you

The dates that matter bring the borrower back to the person who closed them.

  1. TalaLevel

    Keeps the dates

    An adjustable rate's reset, and the loan's anniversary.

  2. Tala

    Reaches out on the day

    Tala texts the borrower on her own to check in. From your numbers, through the same checks as every text: opt-outs and quiet hours. Off until you switch it on.

  3. TalaLevel

    Tells the loan officer

    A push and a row on Home, with Tala's thread.

  4. Your rep

    Takes it from the reply

    When they answer, the loan officer picks up with the loan on screen.

Flags

What gets flagged, before an underwriter sees it.

Each flag is found in the documents themselves. A flag is a question for your loan officer, never a message to the borrower.

  • DTI over the limit

    Debt-to-income above what the program allows.

  • LTV over the limit

    Too little down for the program.

  • Unsourced large deposits

    A deposit that will need a letter and a paper trail.

  • Returned items

    NSFs on the bank statements.

  • Employment gaps

    Time between jobs on the W-2s and stubs.

  • Undisclosed debt

    A payment on the statements that isn't on the application.

  • Self-employed under two years

    Not enough returns for most programs.

  • Reserves short

    Too little left after closing.

  • Told against the file

    Income or debts they said against what the documents show.

  • Missing pages

    A statement sent without every page.

Where the file can land
  1. 1
    Conventional

    Good credit, a normal DTI, 3% down or more.

  2. 2
    FHA

    More room on credit and DTI.

  3. 3
    VA

    For eligible veterans and service members.

  4. 4
    USDA

    Eligible rural areas, within income limits.

  5. 5
    Jumbo

    Above the conforming limit.

  6. 6
    Non-QM

    Bank-statement and other programs outside the rules.

  7. 7
    Not ready yet

    A person decides what the borrower hears, and when to try again.

Documents

Every document, asked for once.

Tala and your loan officers see the same list. When a file comes in, she says what arrived and asks only for what is still missing.

Income on file
  • W-2, 2024Read
  • W-2, 2025Read
  • Pay stub, Oct 31Read
  • Pay stub, Nov 14Missing
Tala

Thanks, got both W-2s and the October stub. Just need your latest pay stub when it comes.

  • Bank statements

    Two months, every page.

  • Pay stubs

    The last 30 days.

  • W-2s

    The last two years.

  • Tax returns

    Two years, when self-employed.

  • Photo ID

    For every borrower.

  • Purchase contract

    For a purchase.

  • Letters of explanation

    For a large deposit or a gap.

On screen

What your loan officer sees, on the lead.

Drawn from the app's layout. The borrowers and every figure are an invented example.

Review
Priya and Sam OkaforPurchase · $425,000 · 30-day close
ActivityReview1003Loan
Ready to submitConventional

Two W-2 earners with steady income, 10% down, reserves after closing.

Qualifying income$11,480A month, two W-2 earners
Debt-to-income38%Housing 27%
Loan-to-value90%$42,500 down
Reserves4 monthsAfter closing costs
Programs
ConventionalReachedCredit and DTI fit
FHAMaybeNot needed at this DTI
JumboNot reachedUnder the limit
Ask them
Where did the $6,200 deposit on Oct 9 come from?
Is the car payment on the statements in both names?
Missing
Two months of statements
Letter of explanation, Oct 9
Signed purchase contract
9:41
TalaLevel nowReady to submit: Okafor purchase

Conventional · 90% loan-to-value

Home · Loan anniversary
Daniel Reyes

Funded Nov 20 last year · conventional, 30 years

What you get

Part of it runs the day you sign up. The rest is set up for you.

You don't configure the industry parts yourself. A TalaLevel representative sets them up in your workspace, around how your floor already works, and hands it over running.

Runs today
  • Leads from imports, texts, calls, your website form and the API
  • Texting from your own numbers, with the carrier registration done with you
  • Tala answering, qualifying, following up and booking calls, each switch off until you turn it on
  • The power dialer, recordings, transcripts and call notes
  • Joey, the AI caller, on Scale
  • Statuses that follow the conversation, hand-overs, callbacks and pushes
  • Deals and each rep's commission, taken back on a cancel if that is your rule
  • Contracts from your own templates, signed on a link
Set up for you
  • The document reader: pay stubs, W-2s, returns and bank statements
  • DTI, LTV and reserves worked out, and every flag above
  • Your programs, so the lane matches who you send to
  • The 1003 filled from the file
  • Conditions kept and asked for
  • The dates that bring a borrower back, and Tala reaching out on them
By plan

Every plan runs the floor. Pick by how you sell.

DialerProScale
Lines dialed at once1310
Texts a seat a monthNot included2,0006,000
Tala answers and follows upNot includedIncludedIncluded
Joey, the AI callerNot includedNot includedIncluded
Coaching: listen, whisper, take overNot includedNot includedIncluded
Price a seat$47 a month$97 a month$247 a month

Full prices are on the pricing page. See also sales texting, Tala, the AI sales assistant and Joey, the AI caller.

Questions

Questions from brokers. Straight answers.

Is TalaLevel a CRM for mortgage brokers?

Yes. It runs the whole process: rate requests answered by text, pay stubs, W-2s and bank statements collected and read, DTI, LTV and reserves worked out, the 1003 filled, conditions and comp kept.

Does it read bank statements for a mortgage?

Yes, set up for you. It uses the same statement reader as our own funding floor: balances, deposits and returned items month by month, with large deposits flagged for sourcing.

Does it work out DTI and LTV?

Yes, set up for you. Qualifying income from the pay stubs, W-2s or returns, debts from the statements and the application, and the price and down payment give DTI, LTV and reserves.

Does it fill the 1003?

Yes, set up for you. The 1003 is filled from the documents and the conversation and held against the file. The borrower's SSN and date of birth are typed at send and never stored.

Will Tala quote rates?

No. Tala is set up to ask questions and collect documents, and to hand anything about a rate or a payment to a person.

Does TalaLevel handle licensing and disclosures?

No. Your licensing, your disclosures and what may be said to a borrower are yours. Tala is set up to your wording.

Does it track conditions?

Yes, set up for you. Each condition is kept on the loan with the document that clears it, and Tala asks the borrower only for what is still open.

Does it track comp per loan officer?

Yes. Record the comp on the deal and each loan officer's share is worked out, taken back on an early payoff, if that is your rule.

What does “Set up for you” mean?

A TalaLevel representative configures those stages in your workspace for you: the document reader, your rules and lanes, your forms and where files go out. You don't build or configure anything yourself.

Does Tala text at night?

Her replies to someone who writes in can go at any hour. Her own follow-ups keep to 7am to 10pm in their time zone, and batches keep to quiet hours.

How much does it cost?

Dialer is $47 a seat a month, Pro $97 and Scale $247, with a 7-day trial. Texting and Tala start on Pro; Joey, the AI caller, is on Scale.

Your next lead texts back tonight. Be there.

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