Half your lead-to-close cycle. Five eligibility programs. One stack.
Series Seed–B HEI / HEA / SLB operators run multi-program portfolios with drifting eligibility logic, phone-only qualification, and underwriting that doesn't scale. We've shipped five eligibility calculators in production across HEI, HEA, SLB, shared-equity, and alt-finance.
If two or more of these are true, we should talk.
- // 01
Multi-program eligibility logic (HEI / HEA / SLB / shared-equity) is drifting across systems
- // 02
LTV/CLTV caps, state whitelists, ownership rules — hardcoded across calculators, not in admin settings
- // 03
Lead qualification is phone-only and doesn't scale
- // 04
HubSpot or Salesforce is too generic for your multi-product portfolio
- // 05
DocuSign + proposal workflows are fragile, especially pre-acceptance vs post-acceptance
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Your AI consultant's pilot stalled at the integration layer
We're not an AI consultant. We're the engineer multi-program HEI operators call when the consultant's pilot stalled.
We ship multi-program eligibility logic as a service — not a spreadsheet. State whitelist version control, LOS integrations, capital-partner reporting. Six- to fourteen-week fixed scope. The first ten qualified borrowers cover the build.
What does Advisory Labs ship for multi-program HEI operators?
Four capabilities, ported to HEI / HEA / SLB workflow. Voice intake qualifying inbounds against multi-program eligibility — state, equity, property type, ownership. Claude-powered AVM enrichment reconciling ATTOM / Zillow / Redfin with confidence labels per field. Admin-driven eligibility config that retires calculator drift across five products. TCPA-aware post-acceptance sequences and DocuSign integration. Same stack, shipped to a multi-program HEI platform live in production.
Voice AI agents
Retell / Vapi + Claude + Deepgram. Sub-90-second lead response. Prompt versioning + drift detection.
Agentic lead enrichment
Right vendor per vertical: AVMs (ATTOM, Zillow, Redfin) for HEI, borrower signals for mortgage. Confidence label per field. No hallucinated values.
CRM consolidation
HubSpot replacement or augmentation. Unified deal panels. Real-time push. Role-based access.
Sequence orchestration
SMS / email / voicemail drops. Business-hours gating. TCPA-aware. Multi-touch attribution.
What does a multi-program HEI platform look like in production?
Five eligibility calculators (HEI / HEA / SLB / shared-equity / shared-appreciation) sharing one admin-driven settings store — LTV / CLTV / state whitelists / ownership rules all read from a central config rather than hardcoded across programs. Voice AI wired into the dialer for inbound qualification. Claude-powered AVM enrichment filling gaps when ATTOM budget runs dry. Fifty-four production edge functions, 351 migrations, live today.
The receipt: A multi-program home equity platform. Five eligibility calculators (HEI / HEA / SLB / shared-equity-style / shared-appreciation) sharing an admin-driven settings store. LTV / CLTV / state whitelists / ownership rules — all read from a central config, not hardcoded.
Voice AI wired into the dialer for inbound qualification. Claude-powered AVM enrichment — Zillow / Redfin / Realtor.com — filling gaps when ATTOM budget runs dry. Two modes: full enrichment on first touch, gap-fill on NULLs only. Confidence labels per field. DocuSign integration for post-acceptance contracts.
54 production edge functions. 351 migrations. Live today.
Four stages. Each one a real "no" point.
Most agencies want a contract before they understand the problem. We work backwards. Free strategy session first. Audit second. Project work only when both sides know what we're shipping. Retainer only if both sides want it.
- // 011 HR · NO COST
Free Strategy Session
A working session, not a sales call. We look at your actual lead flow and tell you where the drop-off is. No quote at the end by design.
- // 022 WEEKS · $2,500
Audit
Stack audit + 90-day roadmap + prioritized ROI estimates. The deliverable is what you should actually build, in order — and a scoped quote for the follow-on project.
- // 032–3 WK CYCLES · FROM $15,000
Project
Fixed scope, fixed price, production deployment. Voice AI, enrichment, eligibility engines, CRM consolidation — scoped after the Audit. Ships in 2–3 week cycles.
- // 046-MONTH MIN · $7,500–$15,000/MO
Retainer
Embedded engineering. Direct contribution, not just review. New component every 2–3 weeks. On-call for production. Roadmap ownership.
When does an HEI operator need a custom eligibility engine?
When eligibility logic is drifting across calculators, when per-investor overlays don't fit a prompt-template tool, or when a compliance reader needs to trace a December decision back to the rules that were live in April. The answer is a rules service the model calls, not a model that re-implements the rules. Ten- to fourteen-week fixed-scope build. Multi-program logic, state whitelist version control, audit-logged decisions, LOS / e-sign integrations.
Most HEI pilots stall at the integration layer. The fix is a rules service the model calls — not a model that re-implements the rules. Six- to fourteen-week fixed scope. Multi-program logic, state whitelist version control, LOS / e-sign / appraisal integrations, capital-partner reporting.
Home equity operator FAQ
- There is no LOS for HEI — how do you handle that?
- Correct, no LOS in the HEI market does what Encompass does for mortgage. We treat that as the opportunity: we build the eligibility, valuation, doc, and capital-allocation layers as composable services around your existing stack (HubSpot, Salesforce, a homegrown app, doesn't matter). Multi-program eligibility logic lives in admin-driven config, not hardcoded in calculators. We have shipped this pattern to five production HEI / HEA / SLB operators.
- Can you build for multiple investor overlays?
- Yes — multi-investor overlays are the canonical HEI scaling problem. The pattern: each investor overlay is a function (LTV ceiling × credit floor × state whitelist × ownership rules × originator overlays) that runs against the borrower profile. Each function returns Eligible / Ineligible / Conditionally Eligible with a structured reason code. Audit-logged, replayable, deterministic — zero LLMs in the yes/no decision. Compliance officers can trace any December decision back to the rules live in April.
- How do you handle multi-program eligibility (HEI / HEA / SLB / shared-equity)?
- One admin-driven settings store, shared across calculators. LTV / CLTV / state whitelists / ownership rules / minimum equity / maximum option size — all configurable per program in one place rather than hardcoded across five calculators. Pre-acceptance and post-acceptance flows separate. The borrower experience surfaces only programs they are eligible for; the operator UI shows the why behind every decision. Live in production across 5 programs today.
- What is the typical lead-to-close timeline reduction?
- Sub-90-second voice qualification on the inbound call (vs 24–72 hours email back-and-forth). Pre-qualified leads route directly to docs; ineligible leads get a polite "not this product, try X" auto-response. Operators we have shipped to report lead-to-close cycles roughly halved — the bottleneck moves from intake to underwriting capacity, which is the right problem to have.
- Do you support state whitelist version control?
- Yes — state whitelists, like investor overlays, live in version-controlled config. When a state moves to or from the allowed list (regulatory change, new license, exit), the change is a one-line edit with a deploy. The audit log captures who made the change, when, and which decisions were made under which version. Compliance review becomes a SQL query, not an archaeological dig.
- How do you handle borrower settlement math and payoff explainers?
- Customer-facing payoff math is a litigation surface — every step has to be inspectable. We ship borrower-facing tools that show the exact computation: starting option amount, appreciation share, shared-equity multiplier, payoff date adjustment, fees, net to homeowner. Each line links to the rule that produced it. The audit log records every variable used at decision time. Reduces support tickets and protects against payoff disputes at exit.
Tell us what's broken.
We'll come back with one of three things: a strategy session invite, a pointed question, or an honest "this isn't us." Most briefs get a reply within two business days.