Private Mortgage Lenders
Take the manual work out of the file.
What you originate
- Fix and flip
- Bridge
- Rental and DSCR
- Ground-up construction
- Alt and B-type mortgages
- First mortgages
Every application in one view
Stage and status on one board
Every live file, what stage it sits at, and the one thing it is waiting on. No status meeting required.
Stalled files surface themselves
A file that has stopped moving rises to the top before the borrower goes quiet on you.
Your team works the same file at once
No passing it down the line
Processor, analyst and underwriter work the same file at the same time instead of waiting their turn.
Every change lands immediately
No file locks, no stale copy, and no version of the file that only one person can see.
A broker portal that answers in seconds
AI-assisted prequalification
A broker drops the deal in and gets an indicative answer against your box in under a minute, before they package anything.
Reasoned against your policy
Not a calculator. The answer names the LTV, the exit and the exceptions, so the broker knows what to fix before submitting.
A borrower portal in your brand
Your name on it, not ours
White-labeled end to end. Borrowers never meet a third party in the middle of your application.
It adapts to the product
A DSCR file asks for rent rolls. A construction file asks for the draw schedule. Same portal, different questions.
An assistant that collects the documents
It does the chasing
Requests, reads and verifies every document a file needs, and follows up over email, text and WhatsApp until nothing is outstanding.
Nothing sits waiting on a reply
Follow-up happens on its own schedule, not when someone remembers. A file only reaches your team once it can actually be worked.
Connected to the data you already pay for
Your existing providers
Credit bureau, banking data, identity, valuation. Sphera reads them through the contracts you already hold.
Inside the tools you use
Agents do the manual work between your systems. Your team keeps its CRM, its inbox, its spreadsheets and its LOS.
Your credit policy, running as decision flows
Written by your credit team
Rules your underwriters can change, test against past files and prove out before they go anywhere near a live application.
The decision stays yours
Sphera does the processing and the recommendation. Approval never leaves your desk.
Run one live file with us
Give us one live application. You get back the file your underwriter would have built.