Mortgage qualification
The compliance officer's quiet shift.
Every mortgage qualification call your brokers run, watched for the rate-before-income mistake, the LTV miscalculation, the self-employed customer no one flagged. Caught in real time, not after the audit.
You're probably doing this with
Random sampling — listening to maybe 2% of calls a quarter. Or a compliance vendor that costs $80K a year and gives you a dashboard nobody opens. Or nothing, and you find out about the problem during an audit.
What Perceive8 watches on every call
- LTV ratio mentioned — captured and validated against documented values
- Income source disclosed — when and how it came up in the conversation
- Self-employed flag — auto-detected from the conversation
- Rate quoted before income confirmed — the compliance miss that triggers most fines
- Required disclosures — every mandatory statement, confirmed delivered
- Customer comprehension signals — confusion language, repeated questions
One alert worth the subscription
If a broker quotes a rate before the customer's income is confirmed, post to #compliance immediately with the call ID and timestamp.The rule lives in your Perceive8 workspace, edits in 30 seconds, and watches every call from then on.
Your Monday morning, after a week
Pricing
- No procurement cycle
- No sales call
- Cancel anytime
- Mortgage qualification playbook included
- Custom compliance rules
- PII redaction by default
- Audit log included
What we're not
We're not a substitute for your compliance officer's judgment. We don't decide whether a call passes audit. We catch the calls that need a closer look — so your officer reviews 6 calls a week instead of randomly sampling 8 from 384.
FAQ
- Is this TRID-compliant?
- Perceive8 is a call monitoring and analysis tool, not a compliance certification platform. It helps you catch TRID violations earlier by flagging when required disclosures aren't delivered — but your compliance team still makes the final determination. We're a tool, not a regulator.
- Does it integrate with my LOS?
- Perceive8 connects via API or webhook. You can push call recordings from any LOS or dialer that supports outbound webhook on call completion. Setup takes about an hour.
- Can my compliance officer write custom rules?
- Yes. Rules are written in plain English — no code. 'If a broker quotes a rate before income is confirmed' is a complete rule. Your compliance officer can write and edit rules without engineering involvement.
- What about the '100% of calls' claim — is that realistic?
- Yes. Perceive8 processes recorded calls asynchronously. As long as your broker's dialer or recording system delivers audio files, we analyze all of them. Volume pricing tiers are available if your call volume is high.