Every loan
is paper.
Run the paper.
MarsLOS is the operating system for independent mortgage brokers — pricing, pipeline, borrower portal, documents, disclosures, reporting, and AI in one place.
Every file priced, documented, disclosure-tracked and chased — from one screen.
NO SEAT FEES · NO ANNUAL CONTRACT · YOUR DATA LEAVES WITH YOU
Application
to funded,
one climb.
What's in
the machine.
Pricing engine
Your lenders' real rate sheets, priced with stacked LLPAs — points and dollars a borrower can read. Never invented: no sheet, no quote.
02Pipeline & LOS
Every file on one board, every stage stamped and dated. The 1003 fills itself from the guided intake.
03Borrower portal ON THEIR PHONE
They upload, e-sign, and watch the file move. They only ever see their own paper.
04Emery AI DESK CLERK
Reads your whole pipeline and answers like a sharp processor. Never shown an SSN. Never invents a number.
05Documents & e-sign
Request, collect, seal. Everything AES-256 on disk, everything exportable the day you want out.
Priced like
a rate sheet,
not a guess.
Load each wholesale lender's ladder and adjustments. Mars stacks the LLPAs the way the sheet does — against price, not rate — and hands you best execution in points and dollars. Every line below is the engine's own arithmetic, and the borrower can be shown all of it.
Adding-machine tape · file 255-2608-0001
The pipeline is a filing rail.
Scroll. Files advance, stamps land, nothing gets lost in a spreadsheet. This is the board your whole shop works from.
SEEN FROM HER PHONE · SHE ONLY EVER SEES HER OWN FILE
They chase
themselves.
The portal is a checklist a person can actually follow: upload from a phone, sign what needs signing, watch the stamps land. Fewer "any update?" calls, and every document arrives named, filed, and encrypted.
A desk clerk
who reads
every file.
Ask Emery what a sharp processor would know: who's stuck, what's missing, which locks die this week. She reads your pipeline — never an SSN, never a date of birth — and she is instructed never to state a number that isn't in your files.
TO YOU
RE WHO NEEDS A PUSH, 07:58
The desk
runs itself.
A borrower uploads from the portal, the file puts itself away, Smart Docs asks for the next thing, a condition clears — and Emery only taps your shoulder for the one item that genuinely needs you.
Flat pricing.
No seat fees.
14 DAYS FREE · NO CARD TO START · CANCEL ANY TIME AND TAKE EVERY FILE WITH YOU · START FREE
Our machine.
Your masthead.
On the white-label plan the borrower never meets Mars. The portal runs on your domain, every screen and email carries your logo and your colors, and the paper signs itself with your name. Same engine, same vault, same Emery — restamped.
It is rolling out now and set up with us by hand — talk to us about white label and we will walk your brand in. Built for shops that sell their own name.
Bring the
whole book.
Export your pipeline from wherever it lives — any columns, any order — and drop the spreadsheet in. Mars reads it, shows you exactly what will be created before a single file is added, and running it twice never doubles a thing.
Their pay stubs,
under lock.
AES-256
AT REST
7.1 Encrypted at rest
Every document is AES-256-GCM on disk. Without the key, the files are noise — including to anyone who walks off with the drive.
7.2 Backed up, encrypted, and rehearsed
Nightly backups, encrypted where they sit, and we restore from them on purpose — so we know they work before the day we need them. Off-site copies are being connected now; until they are, the backups live on the same machine as the data, and we would rather say so than let you assume otherwise.
7.3 The AI is on a leash
Emery is never shown a social security number or date of birth from the loan file, and uploaded loan documents are never sent to her (scanned intake sheets you choose to have read are the exception). Nothing you hold trains anyone's model.
7.4 One shop cannot see another
Every request is checked against the company you're signed into — on the server, on every route, tested by machine.
7.5 Borrowers see only theirs
A borrower can open their file and download what they sent you. Nothing else, and nobody else's.
7.6 Leave whenever
Export every loan (MISMO 3.4), every document, and every contact at any time — including while you're cancelling. No request, no waiting.
The fine print,
in large print.
Are there really no seat fees?
Where do the rates come from?
Can I pull credit and run AUS in Mars?
How hard is it to switch?
Is my borrowers' data safe?
Can I run it under my own brand?
That is the white-label plan: your logo, your colors, and your domain on everything the borrower touches, with Mars running underneath and never introducing itself. It is rolling out now and set up with us by hand — write to info@marslos.com and we will walk your brand in.
Can I try it without committing?
Run your whole brokerage
from one place.
Applications, borrowers, documents, conditions, disclosures, reporting, and Emery — without bouncing between disconnected tools.
See MarsLOS with a brokerage already loaded.
Explore a private sample brokerage with loans, borrowers, documents, conditions, disclosures, and reporting already in place.
No card requiredNo seat feesExport your data anytime
Plans from $79/month. Team plan $249/month.
Built for independent mortgage brokers.
