Mentra gets your finances ready for what's next.
Turn more borrowers into closings.
Mentra keeps borrowers progressing between lender conversations and tells you when they're worth your attention again.
Borrower progress
0%Toward a $625K goal
Biggest barrier
Credit utilization
Do this next
Pay down the highest-utilization card first.
The problem
Not-ready borrowers are easy to lose.
After the call
6, 12, 24months of silence
“Not yet. Work on your credit and come back.”
With Mentra
Biggest barrier
Credit utilization
Do this next
Reduce the Chase balance by $1,800.
A borrower may need time to improve credit, reduce debt, improve DTI, build reserves, or bring the home they want in line with a payment they can carry.
You can identify all of that in one conversation.
But the months that follow are where the customer is won or lost.
How it works
Start with the home they want. Work backwards.
Mentra does not start by asking how to improve someone's credit. It starts with what the borrower is trying to accomplish, then turns the gap into a plan and specific next actions.
- 1. Goal
- 2. Reality
- 3. Gap
- 4. Plan
- 5. Progress
- 01
You refer the borrowers who are not ready today
The people you would otherwise lose track of stay attached to you, with the goal they came to you with.
- 02
Mentra works backwards from the home they want
Target price, location, comfortable payment, and timeline set the plan. Every action ties back to that goal.
- 03
You hear from us when something changes
Mentra surfaces the borrowers showing meaningful signs of readiness, and explains why they are worth a conversation.
What Mentra tracks between conversations
Credit improvement
Movement on the credit factors standing in the way.
Debt and DTI
Balances paid down and how obligations compare to income.
Cash reserves
Money set aside for down payment and closing costs.
Payment alignment
How the target price compares to a comfortable payment.
Action completion
Which recommended steps the borrower actually finished.
Engagement
Who is active, who has gone quiet, and for how long.
For lenders
Know which future borrowers deserve your attention today.
Mentra works with borrowers between lender conversations, tracks their progress toward the mortgage they actually want, and surfaces the people showing meaningful signs of readiness.
See the lender demoMaya R. · Queens, NY · $625K
Progress between conversations
- CreditImproving
- Debt / DTIImproving
- CashBuilding
- Payment fitOn track
- EngagementActive
Moving forward
- Credit utilization 61% to 27%
- Savings up $6,400
May be stalled
- No credit movement in 60 days
- Reserves have not started
Biggest barrier
Credit utilization
Current priority
Reduce revolving credit utilization.
Why now
Worth reassessing against her $625K goal
Next step
Reconnect and re-run her numbers.
Borrower ownership
Your borrowers stay yours.
Mentra never reroutes lender-referred borrowers to competing mortgage providers.
Every borrower stays attributed to the lender and loan officer who referred them, and your name stays in front of them the whole way. Mentra supports the relationship rather than replacing it. We work the same way alongside housing counselors and community organizations.
Your homebuying team
Andrew, Mortgage Advisor
What the borrower sees: “Mentra is helping you work toward your homeownership goal between conversations with Andrew.”
You
Own the relationship and the eventual mortgage
Mentra
Keeps the plan moving between conversations
Interested in testing Mentra with your borrowers?
We're speaking with mortgage professionals about the borrowers they are nurturing today, or would otherwise lose.
Borrower progress
0%Toward a $625K goal
- CreditImproving
- Debt / DTIImproving
- CashBuilding
- Payment fitOn track
- EngagementActive
Biggest barrier
Credit utilization
Do this next
Pay down the highest-utilization card first.