The mortgage update's drafted
before the borrower has to ask.
A hot lead gone quiet while you're buried in someone else's file is a lost deal, not just a slow reply. Same with the borrower calling to ask "any news?" and the condition sitting unchased. 16Fold is a drafting layer for mortgage loan officers — it drafts the update, the request, and the reply the moment each is needed, and holds every one for your approval.
From $799/mo — a fraction of the loan officer assistant (LOA) you keep almost hiring.
Condition request — Patterson file, bank statement
"Hi Marcus — underwriting flagged one more item: a short letter explaining the $4,200 deposit on your March statement, plus your most recent 30 days. Once that's in, we move to conditions review. Happy to hop on a call if easier…"
Drafted 8:14 AM · status only, no rate talk · waiting on your review
demo draft · fictional business
Minutes
from new inquiry to a drafted first-touch reply
Every milestone
a borrower update drafted, before they ask
100%
of sends held for your review
01
Milestone updates
Submitted, appraisal ordered, appraisal back, conditions, clear to close: each one gets an update drafted the moment it's true. Not whenever you find a free hour.
02
Condition chase
A condition posts: bank statement, LOE, gift letter, VOE. A draft lands in your queue right away, not queued behind the file you're already in.
03
Lead replies
A new pre-approval inquiry lands mid-file. Within minutes, a first-touch reply drafts in your voice: ready whenever you sit down to review.
The busywork we draft off your plate.
The repetitive work a system can do — drafted and waiting for your yes, so your hours go to the customer instead.
- Post-closing review requestsThe keys get handed over and the Google review request is already drafted, timed for the afterglow instead of three weeks cold.
- Realtor and builder partner touchYour top referral agents get a drafted check-in on a real cadence, so the relationships that feed your pipeline don't go quiet between closings.
- Past-borrower win-backA closed borrower hits their loan anniversary and a check-in drafts itself for your review, before they forget your name and search for someone else.
- Google reviews, watched and answeredA new Google review posts, a response drafts in your voice, and your profile stops looking abandoned.
- Stay-visible content calendarFirst-time-buyer tips, market updates, closing wins: a month of platform-native posts drafted so you stay top of mind between referrals.
- Pre-approval nurture, draftedThe buyer who got pre-approved and then went quiet gets a drafted nurture sequence, running until they're ready to write an offer.
- Every borrower rememberedNames, timelines, and file notes saved once and pulled into every draft, so you never open a message from a blank slate.
The alternative
An LOA or processor
Salary, benefits, and ramp time, before they've closed a single file
16Fold platform
From $799/mo
16Fold starts at $799/mo: a fraction of one hire. Encompass, or whatever LOS you run, stays the system of record.
The questions mortgage & lending owners ask first
Is this an AI phone agent that answers my calls?
No. 16Fold is a drafting layer for mortgage loan officers and processors: it drafts the borrower update, the condition request, and the lead reply the moment each is needed. It doesn't take calls, and it doesn't send anything on its own — it's AI that asks before it acts. Nothing reaches a borrower, a Realtor, or a title company unless you approve it first.
What about NMLS advertising rules and TRID?
Drafts hold to status and next-step language only: no quoted rates, no APR figures, no approval promises. That's what they're built against, not a disclaimer bolted on after. You review and send every word, so your license has the last word on what goes out.
Does it integrate with my LOS (Encompass, or whatever I run)?
Your LOS stays the system of record. 16Fold doesn't touch Encompass, DU, or LPA findings; it works the communication around the file: email, your CRM, your calendar. We map exactly what connects at the demo.
The next file's already covered.
30 minutes, live, no slides: your pipeline, your open conditions, and what's already drafted before you sit down.
See it on your business.
30 minutes, live, no slides. Bring a real operation — leave knowing where the operating layer starts for you.