The operating platform for independent mortgage brokers and brokerages.
FastIQ ties together pricing, borrower experience, workflow and communication — so brokers operate with structure instead of a patchwork of disconnected tools.
Built for independent brokers and brokerages · No per-loan fees · No long-term contract
FastIQ is business software for mortgage professionals. FastIQ does not act as a lender or credit provider and does not handle borrower funds.
Loan file · $485,000 purchase · 20% down · 740 FICO · Florida
The idea
Nobody is buying a rate. They're allocating capital.
Half a million dollars, committed for thirty years. Points, credits, mortgage insurance, term and concessions all move money between today and a future your borrower can't see. Every other platform files that decision. FastIQ makes it — and shows the work.
The reality
Independent brokers compete with pricing — but operate with fragmented infrastructure.
Retail lenders invested heavily in integrated systems. Independent brokers, by contrast, were given modular tools:
Pricing engines that don't understand borrower strategy
CRMs that don't understand capital markets
Portals that don't explain loan structure
Automation layered on top of disconnected workflows
One borrower. Ten tools. No shared source of truth.
Every handoff broke context — forcing brokers to re-enter data, reconcile numbers, and rebuild advice by hand.
Every system held a different fragment of the same borrower and loan. The broker paid for integrations, but still had to re-enter scenarios, reconcile fees, rebuild comparisons, and maintain separate borrower lists.
10 toolsnearly $1,000/monthmultiple copies of the same loanno system responsible for the complete recommendation
The result isn't a lack of talent. It's a lack of infrastructure. FastIQ was built to correct that — not by adding another subscription, but by consolidating the operational layer itself.
Connected workflow
One integrated system — not a stack of tools.
FastIQ replaces the handoffs with one continuous intelligence loop.
FastIQ is a unified operating platform designed specifically for independent mortgage broker teams. It replaces fragmentation with a single controlled environment built around how brokers actually originate loans.
Strategy & Pricing Intelligence
FastIQ ingests live multi-lender pricing and structures it around borrower outcomes — not just rate comparison. Brokers present ranked loan strategies, model liquidity tradeoffs and compare structure impacts across MI, concessions and term length.
Unified Workflow & CRM
Most CRMs track activity. FastIQ aligns activity with loan structure and borrower stage. Pricing scenarios, borrower communication, file progression and follow-up logic live in the same environment.
Communication Infrastructure
Email, SMS, voice and AI-assisted interaction — tied directly to borrower strategy and workflow. When pricing changes, conversations update. When structure changes, follow-up adapts.
Borrower Strategy Portal
FastIQ enables a broker-controlled Strategy Portal that presents ranked strategies, shows structured comparisons and reinforce advisory positioning — while maintaining brand and data ownership.
Primary differentiator
Priced to compete. Built to advise.
Anyone can return a cheaper rate. The work is knowing which structure serves this borrower over the years they actually expect to hold the loan — and being able to say why in a sentence they understand.
Most broker tools
- ✕Rates across siloed, disconnected systems
- ✕Generic fee worksheets with placeholder numbers
- ✕No record of how a recommendation was made
- ✕Each LO operates on their own inconsistent process
- ✕Built for retail, adapted poorly for wholesale
FastIQ
- ✓All lenders priced simultaneously in one view
- ✓Actual fees pulled from validated rate sheets
- ✓Every recommendation structured, ranked and saved
- ✓Five-year borrowing-cost comparison, with personalized holding-period analysis
- ✓Consistent file structure across every LO on your team
- ✓Built from scratch for the wholesale channel
Fast Intelligence
Pricing supplies the possibilities. The borrower's plan changes the answer.
Rate is an input, not the decision. Tell it what this borrower needs their money to do and how long they expect to hold the loan, and Fast Intelligence turns lender pricing into a recommendation for that plan — with the language to explain it. This is the engine running live, not a mock-up.
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Illustrative scenarios from live wholesale pricing. Not a commitment to lend or a rate lock; no credit pull performed. Full terms in the footer.
This is your engine, running on today's sheets.
Request access →Liquidity today — what this structure retains or spends at closing
Monthly obligation stated as the difference, not the payment
Cash-flow recovery month — withheld until the payment schedule is verified
Net position — cash plus remaining balance — at the horizon they stated
The reframe, computed with this borrower's own figures
No credit pull required to run a real file
FastIQ Strategy Portal
Borrowers don't get a rate quote. They get a structured decision environment.
Every lead gets a portal. Every portal is built from live lender pricing, reflects the file's current stored scenario, and is designed to present three structured loan strategies — not a generic rate comparison.
Strategy Portal
Borrowers receive a structured, three-option loan strategy comparison built from live lender pricing and the file's current stored scenario.
- →Side-by-side comparison of the top 3 loan strategies
- →Live portal reflects current stored data; the downloadable comparison PDF remains snapshot-frozen
- →Rate, APR, monthly payment and cash to close per option
- →Downloadable PDF comparison report
- →One-click application start from the selected option
Trust Engine
An event-driven scoring system that measures how engaged and qualified a lead is over time — so loan officers never have to guess which borrowers are ready to move.
- →Every borrower action earns trust points — documents, clicks, replies, progress
- →Score thresholds at 25 / 50 / 75 trigger automation events
- →Daily decay keeps the pipeline current — no stale history
- →Decay triggers re-engagement via email, SMS or a Kelly callback
- →Six built-in automation rules tied to score movement
- →The LO is notified when a lead crosses high intent
LO Profile & Application Flow
Every portal is branded to the loan officer — name, NMLS, photo, contact details and live reviews. Borrowers can reach out or start an application in a single click.
- →LO profile with photo, NMLS, phone and email
- →Live star rating and verified reviews
- →One-click contact or application start
- →Loan parameters auto-populated from the scenario
- →Rate alert opt-in — notify me when rates change
- →Mobile-optimised — works on any device
Why brokers use FastIQ
Replace the spreadsheet. Eliminate the conflict.
Every pricing conversation is a risk. Conflicting screenshots, outdated rates and informal estimates erode borrower trust and leave brokers exposed. FastIQ replaces that with a single pricing environment — structured, documented and snapshot-backed.
FastIQ
One intelligence layer. Four operating components.
FastIQ is the operating logic behind every module in the platform — connecting scenario presentation, workflow, pre-submission readiness and communication into one controlled environment.
Scenario Intelligence
Turns lender pricing into a borrower-specific decision: what this borrower needs their money to do, and for how long. Pricing supplies the possibilities — the objective and the horizon determine the recommendation.
Workflow Intelligence
Keeps pipeline stages, tasks and handoffs connected to real file activity — so every file moves forward with structure.
Readiness Intelligence
Surfaces likely friction points before the file reaches the lender — pre-submission visibility brokers can act on.
Communication Intelligence
Keeps follow-up in context of actual borrower and file progress — so communication is accurate and timely without manual effort.
AI communication
Two AI teammates who know where the licensing line is.
Kelly answers the phone. James works the texts. They qualify, follow up, and put real appointments on your loan officers' calendars at two in the morning. What makes them safe to switch on is not what they say — it's what they refuse to say.
Pricing never reaches the model
Rate and structure questions are routed to a licensed human, every time. The AI cannot quote.
The advice is always your LO's
Kelly and James name the licensed loan officer in every message and attribute the recommendation to them. The borrower never mistakes an assistant for their advisor.
Consent and quiet hours
Checked before every outbound message, in the borrower's own timezone.
Your registered number
Messages send from your brokerage's own compliant sender, not a shared pool.
Escalation built in
Distress, complaints and anything off-script hand straight to a human with the transcript.
Never claims a booking it can't verify
Kelly reads the loan officer's live calendar and says confirmed only once the event is accepted. No calendar access, no claim — she logs a callback request instead.
Visibility before submission
Surface file risk before the file leaves your desk.
Every file has friction points that become expensive after submission. FastIQ surfaces them early — credit thresholds, document gaps, DTI signals and exception risks — when they can still be addressed.
The Most Likely AUS signal is a broker-side predictive model for pre-submission visibility. It is not a live AUS submission, not an AUS response, and not an underwriting decision.
Credit threshold signals
Score alignment against product and lender guidelines — before submission.
DTI visibility
Debt-to-income signals relative to program parameters, surfaced early.
Document completeness
Checklist gaps flagged before the file advances to the next stage.
Exception flags
Known lender overlays and exception risks visible in the workflow.
Most Likely AUS
A predictive readiness signal based on file characteristics — for broker visibility only.
- Self-employed income Two years of tax returns + year-to-date P&L
- Investment property Lease agreement + two years of rental history
- Gift funds Gift letter + donor bank statement
- Recent job change Offer letter + 30 days of paystubs
- Student loan on IBR Payment statement, or the 1% rule applied
Decision integrity · Fast Intelligence
Pricing you can actually defend.
A broker who shows a borrower a rate that was stale, or built on incomplete ARM terms, carries real exposure. FastIQ closes that off by architecture rather than by policy — the system refuses to produce an answer it cannot stand behind.
Patent pending Fast Intelligence · authority-preserving pricing recommendation system · provisional filed under 35 U.S.C. § 111(b)
Snapshot-locked recommendations
Every recommendation is bound to the exact pricing run that produced it. If pricing moves, the recommendation goes to pending — never silently stale.
Non-destructive authority
A loan officer can approve or adjust a strategy without overwriting the canonical auditable answer. Experimentation cannot corrupt the baseline.
Fail-closed product gates
ARMs, buydowns, interest-only and second liens are withheld from recommendation authority when their governing terms are missing or ambiguous. No silent assumptions.
Full-horizon ARM comparison
ARM comparisons include the post-reset period. The engine will not compare a 5/1 ARM against a 30-year fixed on a horizon that ends before month 61.
Authority-aware extraction
The system distinguishes facts sourced from a rate sheet from values inferred off the borrower profile, and weighs them differently in the recommendation.
Verified on every deploy
The recommendation authority system is exercised by an automated canary on every release — not only at launch.
Why FastIQ
Independent brokers. Structured operations.
FastIQ is purpose-built for independent broker teams — not enterprise software stripped down, and not a generic marketing platform repackaged for mortgage. It is designed for broker owners building scalable teams, not just individual loan originators.
Who this isn't for
Teams looking for a standalone rate widget or bolt-on automation. FastIQ is not a lightweight marketing tool — it's built for broker teams that want structured operations, pricing control and consistent file execution.
Independent broker teams
Whether you're a solo operator or running a growing team — if you operate like a business, FastIQ is built for you.
Teams scaling without losing structure
Add LOs without adding chaos. FastIQ keeps your file quality, pricing consistency and client experience consistent at every size.
Brokers who want consistent file structure
Every loan, every LO, every time — same structure, same documentation, same quality.
Teams that want automation without losing control
Automation handles repetitive communication. You control the strategy and relationships.
Originators who sell advice, not rate
If your competitive advantage is your counsel — not your spread — FastIQ is built around that.
Infrastructure
Broker-controlled infrastructure. No marketplace conflict.
FastIQ is not a lead marketplace. It does not sell borrower data. It does not redirect traffic. It does not sit between you and your capital markets relationships. The platform exists to strengthen the broker channel — not compete with it.
Your lender relationships
FastIQ connects to your wholesale channels. No intermediary. No redirect.
Your pricing presentation
You decide how scenarios are structured, labeled and delivered to borrowers.
Your borrower communication
Every message, every touchpoint — branded to you, owned by you.
Your data
No borrower data is shared, resold or used outside your platform environment.
Your brand
Every consumer touchpoint — portals, emails, PDFs — reflects your identity.
The outcome
Operate with structure. Present with confidence.
Protect your margin by selling strategy — not just rate. FastIQ gives brokers and brokerages the infrastructure to operate consistently and scale without losing quality.
Consistent structure
Across every loan, every LO, every client — from first contact to close.
Documented recommendations
Structured loan recommendations your borrowers actually understand and trust.
Defend your margin
Sell strategy and advice — not by racing to the lowest rate.
Grow without drift
Consistent operational infrastructure that grows with your team without losing file quality.
Built by a broker
Not a software company that discovered mortgage.
FastIQ was built by an independent mortgage broker who ran a brokerage and lived the infrastructure problem firsthand — a broker who built the platform they needed and couldn't find.
That's why it doesn't look like enterprise software stripped down. Every decision in it was made by someone who had to use it on a real file, with a real borrower waiting.
Joseph MoranFounder · FAST Funding Analysis & Strategy Technology LLC
Pricing
Simple pricing. No per-loan fees.
Month-to-month, no long-term contract, cancel any time.
$249/mo
For solo loan officers ready to work smarter.
- ✓Live multi-lender pricing engine (PPE)
- ✓Rate sheet analysis & LLPA management
- ✓Decision analysis — nine verdict-first panels
- ✓Kelly AI borrower portal
- ✓James AI loan processor
- ✓Borrower-facing rate portal
- ✓MISMO 3.4 export
$449/mo
Full intelligence suite for producing LOs.
- ✓Everything in Originator
- ✓Advanced hold-period scoring
- ✓Break-even & NPV analytics
- ✓MI strategy analysis — PMI vs LPMI vs piggyback
- ✓ARM support with corrected amortization
- ✓Lender competition engine
- ✓Priority support
$749/mo
Multi-LO team management and shared pipeline.
- ✓Everything in Pro
- ✓Up to 5 loan officers
- ✓Shared pipeline & lead routing
- ✓Team analytics dashboard
- ✓Admin controls & permissions
- ✓Brokerage-level reporting
- ✓Co-branded Strategy Portals
Brokerage ($1,290/mo) and Enterprise plans are on the full pricing page · No per-loan fees · No LOS integration required · Cancel any time
Get started
Onboarding broker teams now.
This isn't a beta test — it's a working platform, in production, for teams ready to use it today. Tell us how your brokerage runs and we'll confirm fit before anyone signs anything.
Direct onboarding
Work with the team that built it — not a support queue.
Your lenders, your brand
Configured against your own wholesale channels from day one.
Roadmap influence
What you need shapes what we build next.
No long-term contract
Month-to-month. Stay because it works.
We review every request personally and respond within one business day.
No spam. No sales pressure. Just a direct conversation.