1smtg.com Features (From a Technical Standpoint)

Exploring the Pricing & Proposal Engine (PPE)

The Pricing & Proposal Engine (PPE) is a cornerstone feature highlighted by 1smtg.com, designed to empower loan officers to swiftly generate accurate and personalized loan scenarios.

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• Rapid Scenario Generation: The platform claims to allow users to “Run scenarios and send professional proposals to clients within minutes.” This speed is crucial in a competitive market where quick responses can secure clients.
• Loan Option Comparison: Users can “compare loan options,” which is vital for helping clients understand the nuances of different mortgage products and make informed decisions.
• Precision and Clarity: The PPE aims to deliver “results with precision” and present options to clients “without the back-and-forth,” suggesting a streamlined communication process that minimizes confusion.
• Client Understanding: The goal is to “Give them a clear idea of their options,” implying that the proposals are not just accurate but also easily digestible by the end-user.
• Impact on Sales Cycle: A highly efficient PPE can significantly shorten the sales cycle by enabling loan officers to respond to inquiries faster and provide immediate, tailored information. This directly contributes to the platform’s claim of helping users “close more deals.”

Deep Dive into the Loan Origination System (LOS)

The Loan Origination System (LOS) is the central hub for managing the mortgage application process from start to finish. 1smtg.com’s LOS aims to bring a high degree of automation and integration.

• File Creation and Management: The system facilitates the creation, management, and structuring of mortgage files, providing a systematic approach to handling complex documentation.
• Automated Data Pulls: It includes capabilities to “Pull credit” and “Calculate DTI (Debt-to-Income),” which are critical, time-consuming steps in loan qualification. Automating these processes reduces manual error and speeds up pre-approvals.
• Pre-Approval Issuance: The ability to “issue pre-approvals” directly from the system streamlines the initial stages of the loan process, allowing clients to confidently look for homes.
• Lender System Export: A key integration point is the ability to “export to your lender’s system,” which is essential for ensuring compatibility and seamless data transfer between the broker’s platform and the ultimate lender. This interoperability is crucial for avoiding data silos.
• Streamlined Workflow: The overarching benefit is a “streamlined workflow in LOS,” indicating that the entire process, from initial application to submission, is designed to be efficient and logical.

Communication Hub and CRM Capabilities

The Communication Hub and Customer Relationship Management (CRM) functionalities are integrated to ensure seamless client interaction and robust client data management. 1smtg.com Review & First Look

• Centralized Communication: The Communication Hub centralizes “all messages, Email, SMS, chat, fax, calls, and video messages in one place.” This prevents communication silos and ensures that all client interactions are recorded and easily accessible.
• CRM Integration: The communication tools are “Fully integrated with your CRM and PBX for seamless conversations,” allowing for a complete view of client history and interactions directly within the CRM.
• Client Management: The CRM allows users to “Easily manage and import your clients, partners, and employees.” This includes bulk upload options using Excel templates, which is highly convenient for migrating existing client bases.
• Data Connectivity: Data across different systems within 1Solution, like PPE and Communication tools, can be “connected,” ensuring consistency and accuracy across all client touchpoints.
• Marketing Integration: The CRM also supports marketing efforts, allowing for better segmentation and targeting of campaigns based on client data.

Marketing Tools and Personalized Digital Presence

1smtg.com also provides marketing functionalities to help loan officers and brokers expand their reach and enhance their brand.

• Customizable Marketing Assets: Users gain “Access customizable flyers, social media templates, business cards, and more.” This provides ready-to-use materials that can be branded quickly.
• Campaign Management: The platform supports “bulk email/SMS campaigns” and the setup of “auto campaigns,” enabling automated outreach and lead nurturing.
• Compliance Approval: A crucial feature for regulated industries, the ability to “send content for compliance approval” helps ensure that marketing materials meet necessary regulatory standards.
• Personalized E-Card/Mini-Website: This unique feature offers a “custom mini website (E-Card)” acting as a “personal landing page to boost credibility and make client communication easier.”
• Client Portal Integration: The E-Card can feature “Borrowers can securely fill out their application directly from your mini site” and include a “Lead Contact Form” for potential clients, streamlining lead capture and initial application processes.

Essentials, E-Sign, and Built-in Monitoring

Beyond the core operational features, 1smtg.com includes tools for daily organization, secure document signing, and team oversight.

• Essentials for Organization: The “Essentials” section helps MLOs stay organized with a “calendar for important dates, a document area to store key files, a training hub with recorded meetings and system tutorials, and a task feature to assign tasks to team members.” This comprehensive toolkit aims to keep professionals organized and productive.
• E-Sign for Digital Workflow: The E-Sign feature facilitates “the practice of safeguarding sensitive information from unauthorized access.” While the description focuses on security protocols, its primary function is to enable digital document signing, which is essential for paperless workflows and speeding up loan closures.
• Robust Security Protocols: The E-sign section emphasizes “implementing robust security protocols, encryption, and access control measures to protect data integrity and privacy,” which is critical for handling sensitive financial documents.
• Built-in Monitoring: For managers, the platform offers “Built-in Monitoring” to “Track team activity in real time with transparent, privacy-conscious tools.” This includes the ability to “View work progress and optional screen captures (as per company policy) to support productivity while respecting employee privacy.” This feature needs careful implementation to ensure ethical oversight.
• Enhancing Team Productivity: By providing tools for monitoring, managers can identify bottlenecks, provide targeted support, and ensure that team members are working efficiently and adhering to company policies.