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Four ways your book is quietly leaking. We name every one.

Past clients who refied elsewhere. FHA loans on the MIP clock. Over-assessed property tax bills. Second liens with other lenders. Drop your CSV — 90 seconds to a ranked list, drafts in your name.

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Sourced from county records, the FHA database, and county property appraisers. Every number links to its source.

TrueOwn LO dashboard — PMI eligible clients, refi opportunities, and the Lock Sheet rate panel
  • No outreach without your sign-off.
  • Encrypted on upload. Never resold.
  • Every claim links to its source record.
  • Available to homeowners nationwide.

Day 1 · public records alone

Four leaks in your book — every one sourced from public records.

No connection required, no homeowner action required. Every number links to its source.

Some of your past clients already left. We name them.

Every refi is a recorded deed. We pull mortgage history per address — new lender, date filed.

Refied elsewhere

Public deed records · refreshed weekly

23 of 312

past clients refinanced with another lender

  • Patel, R.NewRez · Aug 2024
  • Cohen, S.loanDepot · Mar 2025
  • Reyes, A.PennyMac · Jan 2026
  • + 20 more
First detected
Mar 2022
Most recent
Feb 2026
Top new lender
NewRez
Avg time to leave
28 mo

Sourced from county recorder filings via ATTOM. No homeowner action required.

Your FHA clients are on a clock — and only some of them know it.

Public records carry every FHA case. We bucket your book by origination — auto-cancel touches, plus the permanent-MIP cohort whose only path off MIP is a refi to a conventional loan, if they qualify.

FHA cohort

Public records · post-June 2013 endorsements

47 of 312

FHA loans on the MIP timeline

  • Garcia, M.Auto-cancel Aug 2026
  • Whitfield, J.Auto-cancel Feb 2027
  • Hernandez, L.Permanent · refi-only
  • + 44 more
Auto-cancel ≤12 mo
5
Auto-cancel ≤24 mo
18
Permanent MIP
29

refi-only path off MIP

Avg loan size
$248K

Post-June-2013 FHA endorsements only. MIP is permanent (refi-only) for loans with <10% down payment; terminates at year 11 for ≥10% down. Pre-June-2013 rules differ — those loans are excluded from this cohort.

Some of your clients are paying tax on a number above market.

FL appraisers reassess once a year; markets move faster. When assessment runs ahead of current AVM, your client may have grounds to petition the county Value Adjustment Board (VAB).

Over-assessed in Florida

County appraiser vs Rentcast AVM

31 of 312

past clients above current market value

  • Whitfield, J.Miami-Dade · over by $58K
  • Reyes, A.Broward · over by $41K
  • Kim, S.Miami-Dade · over by $33K
  • + 28 more
Avg over-assessment
$42K
Est. annual savings
$620–$1,400
VAB deadline
Sept 18, 2026
Homestead capped
27 of 31

Estimates from county assessed value vs Rentcast AVM. VAB deadline is set by your county's TRIM notice date — confirm with the county property appraiser before filing. Final relief at VAB discretion.

Some clients took a second somewhere else. You should know.

Recorded seconds are public. If a past client took a HELOC or second from another lender, we name them — call before the next one.

Second lien on record

Public lien filings · refreshed weekly

9 of 312

past clients with a second from another lender

  • Cohen, S.Figure · HELOC · Feb 2026
  • Patel, R.Spring EQ · HELOC · Nov 2025
  • Garcia, M.Discover · 2nd · Aug 2025
  • + 6 more
Total 2nd-lien volume
$1.4M
Most recent
Feb 2026
Top 2nd lender
Figure
Avg post-close
38 mo

Sourced from county recorder filings via ATTOM. No homeowner action required.

Your book, scored. Your alerts, queued. Your name on every email.

Three steps, ~90 seconds, CSV to ranked call list — every signal from public records, every email in your name.

  1. Step 1
    01

    Drop your CSV.

    Export from Encompass, Arive, Calyx, BNTouch — or any spreadsheet. Columns map themselves. 90 seconds later your book is matched against public records.

    Drop your past-client CSV

    or click to browse — any format from any CRM

    Auto-detected columns

    8 of 8 mapped · scanning 312 clients

    • First Name
    • Last Name
    • Email
    • Address
    • Loan Amount
    • Closing Date
    • Phone
    • Note Rate
  2. Step 2
    02

    See your weekly call list.

    Every client sorted by what the record says — a deed filed elsewhere, an FHA MIP clock, an over-assessed tax bill, a second lien. Who to call this week — not a dashboard.

    Ranked opportunities

    312 scanned · public records · sorted by dollar value

    • Hernandez, L.

      FHA permanent MIP · refi-only path

      Full refi

    • Patel, R.

      Refied to NewRez · Aug 2024

      Recapture

    • Whitfield, J.

      Miami-Dade · over-assessed $58K

      $1,200/yr

    • Cohen, S.

      Figure HELOC · Feb 2026

      2nd lien

    • Garcia, M.

      FHA MIP auto-cancel · Aug 2026

      Notify

  3. Step 3
    03

    Send under your name.

    We draft each alert from county records — recapture a refi that left, time an FHA conversation, alert a VAB filing window. You approve in one click. Sends from you. We never market to your book.

    Marcus Lopez via TrueOwn

    to luis.hernandez@…

    9:14 AM

    Luis — your FHA mortgage insurance and a possible refi

    Hey Luis —

    Quick note from your old loan officer. Your FHA loan from 2021 carries permanent mortgage insurance — it only goes away with a refinance to a conventional loan, and only if you qualify.

    Depending on your credit, income, and today's rates, you might be able to cut that monthly cost significantly. Want me to run the actual numbers? Free, no obligation.

    — Marcus

    Sent on behalf of Marcus Lopez, NMLS #123456 · Powered by TrueOwn

Comparison

What we know on Day 1 — from your book alone.

Most LO tools sell you strangers or show you dashboards. TrueOwn turns your existing book into a weekly call list.

Day 1 — from your CSV alone

Capability
Homebot
Cold leads
MyHomeIQ
Names past clients who already refinanced with another lender
No
No
No
Yes — with date, new lender, equity captured
Identifies the FHA cohort and which loans have permanent MIP vs. an auto-cancel date
No
No
No
Yes — only TrueOwn
Flags property tax over-assessments with filing deadlines (Florida VAB today; more states coming)
No
No
No
Yes — with VAB filing deadline
Names past clients who took a HELOC or second from another lender
No
No
No
Yes — with lender and filing date
Sends alerts under your name, your sign-off
Equity report, monthly
—
Automated co-branded
Drafted per client → you approve → it sends
Homeowner source
Yours
Strangers — paid per lead
Yours
Yours — your past book
What it costs
$50–$120/mo
$50–$300+ per lead
$99–$199/mo
Free during pilot

Based on each tool's stated 2026 features. Most LOs run several alongside each other. Outputs are estimates from public records, not lender determinations.

Capabilities

SOC 2 Type II audit in progress · expected 2026

What we deliver from your CSV.

Upload your book. 90 seconds: every name ranked by dollar value, every alert drafted in your name. We never charge your client. We never resell your book.

Day 1 · public records

Refi-elsewhere detectionHighest leverage

Every refinance is a recorded deed. We pull mortgage history for each address in your book, name the new lender, pin the date — so you stop pitching dead leads and start asking why they left. The kind of question that gets the next refi.

FHA cohort + MIP timeline

For loans endorsed after June 2013, MIP is mechanical: drops at month 132 if down was ≥10%, permanent if it was less. We bucket your book on origination — automatic-cancel touches plus the permanent-MIP cohort that only escapes by refinancing.

Florida tax over-assessment

Florida appraisers update assessed values once a year. Markets move faster. We compare each address to current AVM — when assessment runs ahead, your client may have grounds to petition for a lower assessment with the county Value Adjustment Board (VAB). You give them the heads-up; they decide whether to file.

Second liens on record

Recorded second-lien filings are public. If a past client took a HELOC or stand-alone second from another lender, the filing is on record. You wrote their first. You should have written their second — we name the lender so you can call before the next one.

Approval-gated outreach

Drafts route to your inbox before anything sends. Sign off in one click. Every send is logged with the consent record that authorized it. Your NMLS, your face, your liability — never bypassed.

Cadence that compounds

Clients who aren't ready today stay on a cadence that steps down — weekly while a trigger is live, bi-weekly while the math is close, monthly otherwise. Built for the years between FHA close and refi-ready.

Your book is never resold

We don't license, sell, or share your client list with lenders, lead-gen platforms, or analytics partners. Our revenue is your subscription. Period.

Sources: county records via ATTOM, the FHA case database, FL property appraisers. SOC 2 Type II in progress (2026). Security questionnaire and DPA on request — founder@trueown.ai.

Pricing

Three Founding LO seats. Free for six months.

Three Florida loan officers running TrueOwn alongside us. Direct line to the founder, feedback ships the same week. No card, no annual contract — cancel any time.

After the pilot: $200/mo flat. No tier shuffling, no upsell calls.

Flat SaaS subscription — not a referral fee. TrueOwn charges loan officers a fixed monthly subscription. Nothing you pay us is contingent on a closed loan, a captured lead, or a referral to any settlement-service provider. We don't take compensation from lenders, servicers, or insurers. RESPA-friendly by design.

Founding LO Program — 3 seats

Direct line to founder

Free during the pilot.

Then $200/mo flat after the pilot — same features, no upsell.

  • Full book scan + daily re-scans
  • Day-1 ranked call list from public records — connection optional
  • FHA MIP clock + refi recapture alerts
  • FL tax-appeal and second-lien detection
  • Drafted alerts under your name
  • Co-branded letters & landing pages
  • Up to 1,000 active clients
  • Priority founder access
  • API access (beta)
Get a demo

Frequently asked questions.

Last reviewed

Founding LO Program · the U.S. · 3 seats

Your next 10 closings are sitting in your old book.

Drop your CSV. In 90 seconds you'll see the named clients who can save today — ranked by dollar value, with the email drafted in your name.

  • 90 seconds from upload to ranked list
  • Free during pilot — no card, no contract
  • Drafts go out under your name, never ours

Free during pilot. We'll email a sign-in link — no password needed.