Existing Loan
Lender, balance, rate, term and payment, pulled from the borrower's closing documents and statements, not re-keyed.
Mortgage Recapture Starts Before Your Borrower Lists Their Home.
Every year, about 2% of every mortgage portfolio turns over. Half refinance. Half move.
Most lenders have invested heavily in refinance retention. Almost none have built a strategy to retain borrowers through the home-sale journey.
HomeJam fills that gap. From the first home-value estimate through the next mortgage, we help lenders stay connected to borrowers before someone else does. And when they are ready, the referral arrives with the file already built.
Sample dashboard. Illustrative figures, not client results.
77.8%
Recapture
14
Customers Retained
$63,000
Revenue Driven
18
Prequalification Requests
Built for banks, credit unions, and mortgage lenders that want to retain more borrowers, not buy more leads.
Built for
BanksCredit UnionsMortgage CompaniesCommunity BanksRegional LendersEnterprise Mortgage Teams
The Hidden Risk Inside Every Mortgage Portfolio
Mortgage Portfolio
2%
Annual Turnover
1% Refinances
1% Homes Sold
Most lenders have optimized refinance retention for years. Very few have a home-sale retention strategy. That gap is where servicing relationships are quietly lost, and it is the opportunity the HomeJam Mortgage Recapture Platform solves.
The Industry Is Moving Toward Integrated Homeownership
The largest companies in mortgage and real estate are investing billions to own more of the homeownership journey. In 2025, Rocket Companies, the nation's largest mortgage lender, acquired the real estate brokerage and search platform Redfin in an all-stock deal valued at about 1.75 billion dollars, and introduced pricing that rewards customers who both finance and buy through its combined ecosystem.
The strategy is clear: the customer relationship, not any single transaction, is what creates long-term value.
Regional banks and credit unions do not need to build that ecosystem or buy a brokerage. They simply need the right partner.
Traditional Mortgage Model
Mortgage
Borrower Leaves
Relationship Ends
Integrated Homeownership
Mortgage
Home Value
Home Sale
Next Mortgage
Relationship Continues
Rocket bought Redfin.
Zillow sends buyers to its own lenders.
Compass now routes financing through Rocket.
Launch your own integrated homeownership platform, in weeks, not years.
Why build when you can partner?
Why Not Zillow?
Zillow and HomeJam solve different problems. One helps lenders find new consumers. The other helps lenders keep the borrowers they already have.
Zillow
- Competes for anonymous shoppers
- Requires buying leads repeatedly
- The consumer relationship belongs to Zillow
HomeJam
- Starts with your existing borrowers
- Protects your servicing relationships
- Borrowers stay connected to your institution
“The mortgage isn't the asset. The borrower relationship is.”
Your Borrowers Already Want to Move.
The question is whether they move with you.
How HomeJam Keeps Borrowers Inside Your Ecosystem
Step 1
First Touch CapturedCapture First Intent
The borrower's first move is checking what their home is worth. When they pull a live estimate through your branded market estimate, HomeJam attributes that borrower to your institution at the earliest possible moment, before any competitor knows they are thinking about selling.
Step 2
Automated EngagementStay Top of Mind With HomeBase
After the estimate, the borrower lands in HomeBase, HomeJam's homeowner dashboard, branded to your institution. It holds their home's living record: current value, loan terms, taxes, insurance, maintenance, documents. Market updates and equity insights come from that record, so your institution is present every month, not just at origination.
HomeBase is also where intent shows up first. A value check, an equity view, a rate update opened, a refinance explored: each is a leading indicator your team sees in the dashboard before any application exists.
HomeBase home recordClick to enlarge Equity and loan detailsClick to enlarge Refinance interest, one clickClick to enlarge Step 3
MLS ExposureWin the Listing
The borrower lists their home through HomeJam's licensed brokerage, with full MLS exposure and syndication. The selling side of the move stays inside your ecosystem instead of walking to an unaffiliated agent and lender.
Traditional buyer agents are always welcome to submit offers. HomeJam works with the existing real estate ecosystem, not against it.Step 4
Preferred Lending PlacementRecapture the Mortgage
When the borrower shops for their next home, your institution is presented first in the financing experience, on HomeJam listings and other MLS properties alike. This is the moment the mortgage is recaptured rather than lost.
Step 5
Retained Mortgage CustomerFund the Next Loan
Offer, contract, and closing run through one connected homeownership journey, with your institution engaged the whole way, through to a funded next mortgage and a retained customer.
Submit an offer online 
Sign the purchase agreement 
Track every closing milestone
Referrals That Arrive Ready
When a HomeBase homeowner asks to refinance or tap equity, the referral your team receives is not a name and a phone number. It comes with the property and existing-loan file pre-built in MISMO 3.6, the data standard your LOS already speaks, with property characteristics in UAD 3.6 terms, the format appraisals now require.
Property
Parcel, structure, site, condo or HOA, taxes, insurance and a current value estimate.
Consent
The homeowner's request is logged, time-stamped and tied to your institution. No borrower income, asset or credit data; your team collects that as you do today.
Your loan officer starts at step three, not step one.
Where HomeJam Fits
CRM
Marketing Automation
HomeJam
MLS
Borrower
Loan Origination System
Core Banking
HomeJam sits around your mortgage stack, not inside it.
Why HomeJam Works
First-Touch Attribution
Know exactly where every borrower originated.
HomeBase Retention
A branded homeowner dashboard that keeps your institution in front of the borrower every month between transactions, and surfaces leading indicators of intent.
Pre-Filled Referrals
Refinance and equity referrals delivered in MISMO 3.6 with UAD 3.6 property data, ready for your LOS.
Preferred Lender Placement
Borrowers see your lending options first at prequalification.
Licensed Brokerage and MLS Exposure
Licensed brokerage with MLS listing and portal syndication.
End-to-End Digital Transaction
Listing through closing stays in one connected homeownership journey.
Enterprise API Integration
Secure APIs deliver borrower activity into your CRM or LOS.
Executive Reporting Built for Mortgage Leaders
Track recapture rates, revenue generated, active borrowers, attribution, and pipeline health in one dashboard. HomeBase engagement feeds the funnel, so you see leading indicators of refinance and move intent, not just closed loans.
Live Funnel and Recapture
Track valuation requests through recapture percentage in real time.
Revenue and Pipeline
See revenue driven and pipeline value across active borrowers.
Leads by State and Closed Loans
Monitor geographic lead volume and closed-loan outcomes.
Sample dashboards. Illustrative figures, not client results.
Built for Enterprise Financial Institutions
API Ready
Secure endpoints deliver qualified borrowers into your systems.
CRM Integration
Route attributed leads into your existing CRM workflows.
LOS Integration
Referral packages are delivered in MISMO 3.6, so they map to Encompass, Empower, MeridianLink and other LOS platforms without custom translation.
Enterprise Security
Encryption and authenticated access protect borrower information.
Role Permissions
Control who can view, act, and export partner program data.
Audit Logs
Full activity history supports compliance and partner oversight.
Frequently Asked Questions
No. HomeJam sits before and around the mortgage, not inside it. When a borrower is ready for financing, they are delivered back to your existing systems.
Zillow helps lenders compete for anonymous consumers. HomeJam helps lenders retain borrowers they already have. Instead of buying new leads, HomeJam protects existing customer relationships through the home-sale journey.
Building this in-house requires MLS infrastructure, brokerage operations, transaction management, attribution, AI engagement, compliance, and API integrations. HomeJam already provides the complete ecosystem, so lenders can launch in weeks instead of years.
Yes. HomeJam works with the existing real estate ecosystem. Borrowers can list directly, work with a HomeJam listing advisor, receive offers from any licensed buyer's agent, or sell traditionally if they prefer. HomeJam is designed to increase borrower retention, not replace agents.
Listings go on the MLS, which syndicates to major real estate portals through standard MLS distribution.
Yes. As part of partner onboarding, HomeJam is built to deliver qualified borrowers into your CRM or LOS through a secure API integration.
HomeJam is built on an authenticated, role-based access model with encryption and full audit logging.
Borrowers can explore homes across the market while staying connected to their preferred lender throughout financing.
Servicing-platform integration is scoped during partner onboarding. HomeJam is built to connect to the systems you already run rather than replace them.
Yes. HomeJam is designed to complement your marketing automation, adding home-value and home-sale engagement that your current tools do not cover.
Because the ecosystem is already built, partners onboard in a fraction of the time that building in-house would take. Exact timelines are scoped during onboarding.
Yes. HomeJam supports multiple branches and regions under a single institution.
No. Borrowers always choose. HomeJam works alongside the existing real estate ecosystem, and borrowers can list, buy, and finance the way they prefer.
Property details, the existing loan's terms and estimated balance, taxes, insurance and a current value estimate, formatted in MISMO 3.6 with property characteristics in UAD 3.6 terms. It never includes borrower income, assets or credit; your institution collects those directly.
No. HomeJam provides property data in the UAD 3.6 vocabulary appraisers use, which can speed an appraisal order. Appraisals are performed by licensed appraisers your institution engages.
Coming Soon
What Would One Additional Recaptured Loan Per Month Mean?
Launching With Forward-Thinking Financial Institutions
Reserved for Launch Partners
Become a HomeJam Launch Partner
Tell us about your institution and we will follow up with launch partner onboarding details.
Become a Founding Mortgage Recapture Partner
Help define the next generation of borrower retention. Protect more customer relationships, increase mortgage recapture, and launch in weeks, not years.