The bilateral deal network for mortgage and real estate
Under Contract puts the loan officer, the processor, the agent, the transaction coordinator and the closing agent on one live file. One ring shows exactly where the deal stands, from signed contract to funded, for everyone who needs to know. No more 9:00 PM status calls.
Patent pending · U.S. App. No. 64/182,980 · Copyright registration pending
Contract executed. The deposit clock and every contingency deadline start counting.
Five seats at one table
Most deal software is built for one side of the transaction. Under Contract is built for the handoffs between them: the lender side, the agent side and the closing table see the same milestones, the same deadlines and the same ring, each in a workspace built for their job.
Pipeline, pricing scenarios and pre-underwriting checks, plus the math that saves deals late in the file.
The engine room, built for a processor carrying 4 to 8 LOs at once.
Every deadline on every file, kept in sync with the loan side.
Closing agents work the file from a secure link. No account, no password.
No password and no app download. A deal passkey from your loan officer shows where your loan stands, any time.
01 · FOR AGENTS & LOAN OFFICERS
The Homebuyers Privacy Protection Act shut most mortgage trigger leads down on March 5, 2026. Most, not all: lenders with an existing relationship, like a buyer's bank, card issuer or servicer, can still get the lead and call. And the caller who says "I'm with your lender" never needed a trigger lead in the first place. Some of those calls aren't only after the loan. A call center can also pitch a rebate to switch to its own in-house agent, pulling the buyer away from the agent they already work with. If the defense starts at credit pull, it starts too late.
The fix
HPPA (Pub. L. 119-36) amends FCRA § 604. Effective March 5, 2026.
02 · FOR PROCESSORS & LOAs
Processors carry the pipelines of 4 to 8 producing LOs while translating cryptic underwriter conditions and absorbing last-minute concession changes that can push fees past TRID tolerance limits. Every condition that sits in a borrower's inbox for three days is a closing date at risk.
The fix
03 · FOR EVERYONE PAYING FOR SOFTWARE
Independent agents and originators bleed cash to subscription sprawl: a CRM, a borrower portal, a scheduler, an email platform, a co-marketing tool and e-signature. Six logins, six bills, and none of them talk to each other. The deal still lives in your head and your text messages.
The fix
Under Contract replaces the disconnected point tools with one synchronized file that both sides of the deal work from, at a fraction of the cost. The base tier is free for everyone, on both sides of the deal.
Illustrative list prices. Your stack and plans will differ. Product names are trademarks of their owners; no affiliation is implied.
04 · FOR AGENTS & TCs
Top-producing agents lose hours every month chasing loan officers for appraisal updates, commitment letters and clear-to-close timing. Then they relay it all to a nervous buyer, by hand, after dinner.
The fix
05 · THE LEGAL REALITY
Traditional lender and agent co-marketing is a compliance minefield. When a lender quietly covers most of an agent's software or flyers, both sides risk CFPB and state enforcement, and RESPA § 8 carries fines up to $10,000 and up to one year in prison per violation.
The fix
Under Contract never lets one party pay for the other's software. Every subscription is billed to the person who uses it. Joint marketing is different: co-branded flyers, open house kiosks, direct mail and closing gifts run through a 50/50 dual-card checkout, where each side pays its own half for advertising it actually receives.
RESPA § 8, 12 U.S.C. § 2607; Regulation X, 12 CFR 1024.14. This is product information, not legal advice.
Co-branded closing gift, shipped to the buyer's new home after funding.
Inside the product
The command desk, the pipeline and the open house kiosk, straight from the running app.
Screens shown with demo data. The Open House Kiosk signs a visitor in, records their follow-up consent, and hands the lead to the agent in about 60 seconds.
Transparent pricing
Every subscription is paid by the person who uses it. No lender-paid seats for agents, ever. That's the line that keeps everyone on the right side of RESPA.
Free for everyone: agents, TCs, processors and emerging LOs
No card required
Top-producing agents and independent TCs
Billed monthly, or $490 per year
Producing wholesale LOs and brokers
Billed monthly, or $1,500 per year
Brokerages, branches and multi-seat desks
10 to 25 seats (scales to $1,495)
Pay-as-you-go items for co-branded work. Shared items split evenly through the dual-card checkout, each party paying its own half for advertising it receives. Nothing here is a subscription and nothing here is lender-funded for an agent.
Co-branded closing gift, drop-shipped to the buyer's new home after confirmed funding.
Co-branded direct mail with high-gloss print and USPS First-Class postage, per piece.
Bank-authenticated earnest money instructions sent straight to the closing agent's processor. Voluntary $15 electronic routing fee paid directly by the buyer. Under Contract never holds the funds.
ROI and commission retention
Move the sliders to match your month. Every number updates as you go.
Illustrative estimates from your inputs and the assumptions shown, not a promise of results. Commission protected = loans per month × share lost × loan amount × your compensation rate. Software savings compare the $561/month stack above with the Pro LO Cockpit billed annually ($1,500). Trigger-lead solicitations have been restricted since March 5, 2026, so set the loss rate to what you actually see in your pipeline.
The mark is the status
Our mark is a C with a U inside it: Under Contract. The opening on the right is the distance still to cover before closing. In the product, an emerald arc sweeps across that gap as the deal moves. At funding, and only at funding, the ring is whole.
Compliance, in the open
Mortgage and real estate run on consent, privacy and fair dealing. Here's how we handle each one.
By submitting your mobile telephone number through an active Under Contract deal portal, open house pre-qualification, or milestone notification request, you authorize Under Contract LLC and your assigned loan officer or real estate agent to send automated transactional SMS notifications regarding your transaction milestones, escrow contingencies, and closing documents. Consent is not a condition of any purchase or loan. Message frequency varies based on loan activity. Message and data rates may apply. Reply STOP at any time to cancel, or HELP for help. We do not sell or share SMS consent data or mobile numbers with third parties for their marketing.
See the mobile messaging terms in our Privacy Policy.
Details are in our Privacy Policy.
Details are in our Terms of Service.
Under Contract LLC supports the Fair Housing Act and the Equal Credit Opportunity Act. We do not build, sell or allow tools that discriminate on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), familial status, disability, marital status, age, or receipt of public assistance, or any other characteristic protected by federal, state or local law.
Start free in minutes. Invite your agent, your processor or your loan officer, and the file you share stays in sync on both sides.