Move the file forward. Keep the decision yours.
Your AI assistant organizes the file, prepares Word and PDF drafts, and tracks the next task. Studio for documents. Legate for approved follow-through. Quarry for property research.
For Florida mortgage brokerages and small lenders of two to twenty people. Rates, applications, locks, disclosures and credit decisions stay with your licensed originators and your lenders.
Film transcript
Before the loan decision, there is a file to move forward.
Quarry gathers property facts, encumbrances, and comparable sales, with sources and gaps visible. Research for your file.
In Studio, your AI assistant indexes documents and prepares PDF and editable Word drafts. Source pages and open items stay attached for your review.
Legate organizes follow-through. A licensed originator approves every consumer-facing message.
Out of forty-four recurring processes, Regaldi runs seventeen with your confirmation, prepares nineteen for a licensed decision, and leaves eight with the licensed originator. Every process names its tool.
No trigger leads. No foreclosure outreach. AI calls only with prior written consent.
Studio for documents. Legate for approved follow-through. Quarry for property research.
You take the application and handle the terms. The creditor makes the credit decision.
Regaldi.
Regulated. Aligned. Digital. Start with one workflow.
Regaldi runs 17 of 44 recurring processes, prepares 19 for the licensed professional’s decision, and leaves 8 with them.
- Regaldi runs
- 17
- A person at the brokerage confirms, approves or sends.
- Regaldi prepares
- 19
- The licensed originator or the principal loan originator decides.
- Stay with people
- 8
- Rates, applications, locks, disclosures, credit decisions, SARs, sales calls.
- Recurring processes
- 44
- Mapped in six groups, from the first inquiry to the post-closing file.
With our tools · the 36 processes Regaldi runs or prepares
- Regaldi Studio
- 22 processes · runs 6, prepares 16
- Regaldi Legate
- 14 processes · runs 12, prepares 2
- Regaldi Quarry
- 3 processes · runs 1, prepares 2
A process can use two tools. The 8 human acts are not automated by any of them.
Under licensed supervision. System-run work includes human confirmation. Credit decisions remain with the creditor; SAR decisions with the AML officer. The assistant works inside Florida loan processing (§494.001(19)) at the direction of a licensed originator. The map describes responsibility, not 44 integrations.
In short
Regaldi LLC is a Florida software company that gives mortgage brokerages and small lenders an AI assistant for residential one-to-four-family loan files, working at the direction of a licensed originator. Regaldi Studio organizes borrower files and prepares Word and PDF drafts, Legate coordinates approved follow-through, and Quarry researches the property. Disclosure dates are tracked with their source. Of the 44 recurring processes mapped for a brokerage, Regaldi runs 17 with a person confirming, prepares 19 for a licensed decision, and leaves 8 with the originator, the creditor or the AML officer, including taking the application, rate locks, issuing disclosures, credit decisions and suspicious activity reports. Regaldi holds no Chapter 494 or NMLS license and does not pull credit. Working files remain in the brokerage’s folder; text used for a task is processed by Anthropic or OpenAI through Regaldi’s server. Work starts with one workflow and a written scope.
Related professionsTitle agenciesRealtorsInsurance agenciesAll industries
Know what is in the file. Know what is missing.
Studio reads the documents your team supplies into a source-linked index. Legate organizes the checklist, receipt log and approved follow-up.
- 01
Documents arrive
Pay stubs, W-2s, two months of bank statements, an ID and a purchase contract arrive through the brokerage’s secure upload channel.
- 02
Index
Each document is read into one index with its dates, amounts and page references.
- 03
Flags
A bank-statement page is missing and the employer name differs between two documents. Both are listed with their source pages.
- 04
Follow-up draft
A missing-document reminder is drafted and waits for a licensee to approve it.
- 05
Originator review
The licensed originator reviews the file, takes the application and decides what to ask next.
- Pay stubs, last 30 days Indexed Pay dates and gross pay with page references
- W-2s, two years Indexed Both years present
- Bank statements, two months Page missing Statement 2, page 3 of 4: draft request for licensee approval
- Employer name Mismatch Pay stub and W-2 differ; listed with both pages. Not a fraud finding
- Purchase contract Indexed Property address sent to the Quarry dossier
- Income and program decision Originator Qualifying income, program and terms: the licensed originator
Open items for the licensed originator
- Missing statement page: reminder awaiting licensee approval.
- Employer name: for the originator to resolve with the borrower.
- Qualifying income: the originator and the underwriter decide.
Collect and organize documents under licensed supervision. The licensed originator takes the application. The brokerage approves every consumer-facing message before use.
Turn the working file into a usable draft.
Prepare an editable Word file and a readable PDF, with source pages, assumptions and open items still attached.
- Income worksheets Drafted by the guideline the originator names, each figure tied to its page.
- Preapproval letter drafts Only the originator’s approved figures and conditions, in the brokerage’s form.
- Lender submission packets In the wholesale lender’s checklist order, with open items marked.
- Fee and tolerance comparisons Loan Estimate, fee sheet and Closing Disclosure side by side, with tolerance questions flagged.
Prepared for licensed review. Income qualification, program selection and submission decisions remain with the originator and the lender. Browser work is not a connector and does not take an application, quote terms, lock a rate or issue a disclosure.
Put the property record beside the loan file.
Quarry gathers county appraiser facts, flood-zone information, permits, code cases and encumbrance research, with sources and gaps visible. Miami-Dade first.
Public-record research, not a title search. The county owner field may lag. A name match does not establish legal ownership; an empty result does not establish clear title. The title professional verifies title.
No mortgage balance, equity model, statewide depth or live-feed promise. When a source does not answer, the dossier names the gap instead of treating it as no record.
- Appraiser facts Sourced Use, land and building area, assessed value County property appraiser · checked date shown
- Flood zone Sourced FEMA zone and whether the special flood hazard area applies FEMA flood map · checked date shown
- Permits and code cases Sourced Open permits and code cases by date and status County building records · checked date shown
- Lis pendens and recorded liens Link and confidence shown Each with link method and confidence Clerk records · checked date shown
- Tax status Gap named Shown when the source answers; a gap is named when it does not Tax collector · checked date shown
- Legal ownership and title Not public-record work Not established by public-record research Title professional · checked date shown
Use the evidence. Keep its limits.
Review nearby recorded sales and a supported range, or an explicit “Insufficient evidence”. Watch supported public records for changes on properties already in your pipeline.
Enough recorded sales
- Recorded sales nearby
- Evidence and confidence
- Originator review
A supported range with its confidence, for the originator’s own planning of loan amount and LTV.
Too few comparable sales
- Recorded sales nearby
- Insufficient evidence
- No figure
The dossier says so plainly and publishes no number.
Pipeline watch
- Property in process
- New lis pendens or lien on record
- Originator alerted with the source’s own date
Unresolved record links stay marked as unresolved. A watch reports each source’s own date; it is not a live feed.
Not an appraisal. No MLS connection. A research range is never sent to an appraiser to influence value. Appraisal orders use the lender’s ordering channel; no target value or pressure (Reg Z §1026.42(c)).
Keep the next obligation visible.
Legate tracks disclosure dates, lock expiry, conditions and appointments. Studio assembles the supporting record.
- Day 0 Application date confirmed by the licensee. The originator validates the six items and the business-day definition.
- +3 business days Loan Estimate reminder. The licensee issues the Loan Estimate from the brokerage’s own system.
- As they arrive Conditions. Each condition assigned to the borrower, the title agent or the originator, with approved follow-up.
- 3 business days before Closing Disclosure timing. The date is computed and on the calendar; the creditor and the originator confirm it.
- Closing Closing appointment. Date, signing and final figures confirmed. Wire instructions confirmed by phone to a known, independently verified number.
Illustrative workflow. The originator validates the six-item application trigger, the applicable business-day definition, the delivery method, changed circumstances and the calendar (Reg Z §1026.19).
The rate lock on DEMO-014 expires on [date]. Closing is scheduled for [date]. Conditions still open: two.
Extension or renegotiation is the originator’s decision with the borrower.
Prepared by an AI assistant for [brokerage] · internal reminder
Tracking a deadline does not issue a disclosure or lock a rate. Confirm wire instructions by calling a known, independently verified number.
Three tools around your licensed work.
Studio prepares. Legate coordinates. Quarry researches.
Regaldi Studio
22 processes on the mapStudio prepares the file.
- Working folder
Pay stubs, statements, returns and lender checklists read, indexed and compared in the folder you choose. Edits arrive as changes to review.
- Word
Income worksheets, letters and packets as editable Word files, with headings, tables and source pages intact.
- PDF
The same drafts as finished PDFs for the file and the lender package.
- Computer use
With your permission the assistant opens supported applications, clicks and types, and records each action.
- Your browser
Lender ordering channels and authorized portals in the originator’s own Chrome, one screen at a time, each submission confirmed by a person.
- Sunbiz
Officers, filings and registered agents for builders, partners and investor companies.
- Email drafts and Calendar
Filled Gmail drafts and Google Calendar entries. A person at the brokerage presses Send and saves each entry.
Regaldi Legate
14 processes on the mapLegate coordinates the follow-through.
- CRM history
Every inquiry, partner, reply and agreed next contact in one history.
- Reminders and dates
Application clock, disclosure dates, lock expiry, conditions and closing appointments on the originator’s calendar.
- Approved follow-up
Missing-document reminders and partner follow-ups, each waiting in the Trust Center for licensee approval.
- Lead Finder
Realtor offices, builders, CPAs, planners and attorneys by area, for business relationships. Never consumer lists.
- License look-ups
OFR and NMLS checks in a browser session, with renewal and CE reminders. An empty result is inconclusive.
- Brokerage voice
Setup option. Scheduling and document logistics for people who asked and gave written consent; never a rate or an application.
Regaldi Quarry
3 processes on the mapQuarry researches the property.
- Property dossier
County appraiser facts, FEMA flood zone, permits and code cases, with sources and the checked date. Miami-Dade first.
- Encumbrances
Open lis pendens, recorded liens and tax liens with link method and confidence. Not a title search.
- Comparable sales
Nearby recorded sales and a supported range, or an explicit “Insufficient evidence”. Not an appraisal; no MLS data.
- Property watches
Supported public records watched for changes on properties already in your pipeline, with the source’s own date.
- Market counts
Sales, permits, new construction and scheduled auctions by ZIP, as counts and trends.
Not connected There is no Encompass or other LOS connector, credit-bureau connector, pricing-engine connector or AUS connector. There is no e-signature or disclosure-delivery connector. Your authorized systems remain the record.
Not done by Regaldi Regaldi does not pull credit. Rates, pricing, credit pulls and DU or LPA findings stay in the originator’s authorized tools; Studio organizes exports or figures the originator supplies.
44 recurring processes. A named tool and a clear owner.
A brokerage runs on 44 recurring processes. Regaldi runs 17 of them with human confirmation, prepares 19 for professional decisions, and leaves 8 with the licensed originator, the creditor or the AML officer. Every process the system runs or prepares names the Regaldi tool that does it.
- S · System runs it. A person confirms, approves or sends.
- P · System prepares it. The assistant prepares; the responsible professional decides.
- H · Human responsibility. No autonomous execution.
Hover, focus or tap a process to see what the system does.
Inquiries and applications
3 · 2 · 2- S · The system runs it; a person at the brokerage confirms, approves or sends. Each web form, email, voicemail or text the person sent is logged and acknowledged in the brokerage’s words, and a time with a licensed originator is offered. The reply says it is automated and gives no rate, payment, APR or program opinion. Tool: Regaldi Legate.§494.001(18)–(19); 12 CFR 1008 App. A
- S · The system runs it; a person at the brokerage confirms, approves or sends. The brokerage’s checklist goes to the person through its agreed secure upload channel, and what arrives is logged. Only what the file needs; no questions on protected characteristics beyond lawful, required collection. Tool: Regaldi Legate.§494.001(19)(a); Reg B §1002.5; 16 CFR 314.4(c)
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. The system books the conversation and prepares the file. Which rate, which program and what the payment would be is the licensed originator’s answer.§494.001(18); 12 CFR 1008.103(c)(2)
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. The licensed originator takes the application with the borrower. The system organizes the documents the borrower supplied; it never enters a new application into an online form.§494.001(18); 12 U.S.C. 5102(4)(A)
- S · The system runs it; a person at the brokerage confirms, approves or sends. Once the licensee confirms the six application items, the date is recorded and the Loan Estimate deadline goes on the originator’s calendar with a reminder. No disclosure is issued by the system. Tool: Regaldi Legate.Reg Z §1026.2(a)(3)(ii); §1026.19(e)(1)(iii)
- P · The AI assistant prepares it; the responsible licensed professional decides. A Word or PDF letter is drafted from the figures and conditions the originator entered, in the brokerage’s form, for the originator to check and issue. No promise of approval. Tool: Regaldi Studio.§494.00165(1)(a)
- P · The AI assistant prepares it; the responsible licensed professional decides. Names, addresses, employers, dates and amounts are compared across the documents, with each mismatch tied to its source page for the originator. A mismatch is not a fraud finding. Tool: Regaldi Studio.31 CFR 1029.210
Documents and processing
5 · 3 · 0- S · The system runs it; a person at the brokerage confirms, approves or sends. The borrower gets a reminder for each item still owed, after a licensee approves the message, until the file is complete. Tool: Regaldi Legate.§494.001(19)(b)
- S · The system runs it; a person at the brokerage confirms, approves or sends. Pay stubs, W-2s, tax returns and bank statements from the supplied folder are read into one index: pay dates, balances, missing pages and expiring documents. Tool: Regaldi Studio.§494.001(19)(a)
- P · The AI assistant prepares it; the responsible licensed professional decides. A draft income calculation by the guideline the originator names, each figure tied to its page. Qualifying income is the originator’s and the underwriter’s decision. Tool: Regaldi Studio.
- P · The AI assistant prepares it; the responsible licensed professional decides. Balances, seasoning and large or unusual deposits are listed with their evidence, and letter-of-explanation requests are drafted. The originator decides what to ask; possible AML concerns go to the AML officer. Tool: Regaldi Studio.31 CFR 1029.320
- S · The system runs it; a person at the brokerage confirms, approves or sends. Employment, rent and deposit verification requests go out with the borrower’s signed authorization and are followed up until answered. Only authorized information is shared. Tool: Regaldi Studio and Regaldi Legate.12 CFR 1016
- S · The system runs it; a person at the brokerage confirms, approves or sends. Appraisal (through the lender’s ordering channel), title, flood certificate, insurance and condo questionnaire: requests entered in the originator’s browser and confirmed by a person, dates tracked. No target value and no contact with the appraiser about value. Tool: Regaldi Studio.Reg Z §1026.42(c)(1)
- S · The system runs it; a person at the brokerage confirms, approves or sends. Appraiser facts, flood zone, open permits and code cases, open lis pendens and recorded liens for the subject property, each with its source, Miami-Dade first. Not a title search; the title professional verifies title. Tool: Regaldi Quarry.
- P · The AI assistant prepares it; the responsible licensed professional decides. Nearby recorded sales and a supported range with its confidence, or an explicit “Insufficient evidence”. For the originator’s own planning; not an appraisal, and never sent to an appraiser to influence value. Tool: Regaldi Quarry.Reg Z §1026.42(b)(3), (c)
Pricing, disclosures and locks
2 · 4 · 2- P · The AI assistant prepares it; the responsible licensed professional decides. From prices the originator pulled in the lender’s own screens, a side-by-side of rate, points, fees, payment and cash to close, including the safe-harbor options. The originator presents them. No pricing-engine connector. Tool: Regaldi Studio.Reg Z §1026.36(e)(3)
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. The borrower and the originator decide when and for how long to lock. The system records the lock confirmation.§494.001(18); 12 CFR 1008.103(c)(2)
- S · The system runs it; a person at the brokerage confirms, approves or sends. Each lock’s date, term, expiry and extension details are tracked, with reminders 7 and 3 days before expiry. No automatic lock or renegotiation. Tool: Regaldi Legate.12 CFR 1008 App. A (b)(2)(ii)
- S · The system runs it; a person at the brokerage confirms, approves or sends. Loan Estimate due date, changed circumstances, Closing Disclosure timing and the seven-business-day waiting period, each computed and on the calendar. The responsible professional validates the dates. Tool: Regaldi Legate.Reg Z §1026.19(e), (f)
- P · The AI assistant prepares it; the responsible licensed professional decides. The Loan Estimate, the fee sheet and the Closing Disclosure are compared line by line, and tolerance questions are flagged. The originator and the creditor decide any cure. Tool: Regaldi Studio.Reg Z §1026.19(e)(3), (f)(2)(v)
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. The responsible licensee issues the Loan Estimate and the Florida good-faith estimate of costs from the brokerage’s own system. The system records the date and method of delivery.Reg Z §1026.19(e)(1)(ii); rule 69V-40.008; §1026.36(g)
- P · The AI assistant prepares it; the responsible licensed professional decides. The brokerage’s fees are checked against the statutory cap and fee form, kickbacks and bonuses included, and third-party fees against the trust-account rule. The principal loan originator decides; the system moves no funds. Tool: Regaldi Studio.§494.0042; §494.0038(1); rule 69V-40.008
- P · The AI assistant prepares it; the responsible licensed professional decides. Where the brokerage or a relative holds 1 percent or more of a provider it refers, the written disclosures are prepared for delivery at referral. A professional approves delivery. Tool: Regaldi Studio.§494.0023; Reg X §1024.15
Lender submission, conditions and closing
3 · 1 · 2- P · The AI assistant prepares it; the responsible licensed professional decides. Documents, worksheets and disclosures are assembled in the wholesale lender’s checklist order with open items marked. The originator reviews and submits. Tool: Regaldi Studio.
- S · The system runs it; a person at the brokerage confirms, approves or sends. Conditions are read from the approval, each assigned to the borrower, the title agent or the originator, and followed up with approved messages. The underwriter decides whether a condition is met. Tool: Regaldi Legate and Regaldi Studio.§494.001(19)
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. The creditor decides. Where the brokerage sends the notice, a draft uses the creditor’s actual, specific reasons for the licensee to check and send. The system never invents reasons.Reg B §1002.9(a)(1), (b)(2), (g)
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. Requests to change program, rate, amount or fees go to the originator. The system records the request and the outcome.12 CFR 1008 App. A (b)(1)(ii)
- S · The system runs it; a person at the brokerage confirms, approves or sends. The closing date, signing appointment, final figures and Closing Disclosure timing are confirmed with all parties, verifying only terms already agreed. Wire instructions are confirmed by phone to a known, independently verified number. Tool: Regaldi Legate.12 CFR 1008 App. A (b)(2)(ii)
- S · The system runs it; a person at the brokerage confirms, approves or sends. Final signed documents, the recorded mortgage and trailing items are collected and the file is completed for retention. Tool: Regaldi Studio.Rule 69V-40.175
Licensing, compliance and records
2 · 4 · 1- S · The system runs it; a person at the brokerage confirms, approves or sends. Each originator’s license, NMLS sponsorship, branch license, renewal and continuing education are tracked with reminders. NMLS look-ups run in a browser session; an empty result proves nothing. Tool: Regaldi Legate.§§494.00312, 494.00313, 494.0036; rule 69V-40.0313
- P · The AI assistant prepares it; the responsible licensed professional decides. Loan data from closed and pending files is compiled for the NMLS Mortgage Call Report, for the principal loan originator to review and file. Tool: Regaldi Studio.§494.004(2); 12 U.S.C. 5104(e)
- P · The AI assistant prepares it; the responsible licensed professional decides. Each funded loan’s compensation is compared with the written plan: no pay by rate or terms, no pay from both borrower and creditor, nothing to an unlicensed person. Tool: Regaldi Studio.Reg Z §1026.36(d); §§494.0025(7), 494.0038(2)
- P · The AI assistant prepares it; the responsible licensed professional decides. Ads, posts, pages and videos are prepared for licensee review against Reg Z triggering terms, Reg N, Florida rate-advertising wording and fair-lending wording, with a copy kept for two years. Tool: Regaldi Studio.Lending-ad safeguards pending.Reg Z §1026.24; 12 CFR 1014.3, 1014.5; §494.00165
- S · The system runs it; a person at the brokerage confirms, approves or sends. Files, ads and correspondence are filed with retention dates: three years from original entry under Florida rules, 25 months for Reg B application records, three years for Reg Z. Folder organization, not certified archiving. Tool: Regaldi Studio.§494.0016(3); Reg B §1002.12(b); Reg Z §1026.25
- P · The AI assistant prepares it; the responsible licensed professional decides. Privacy notices are scheduled; the risk assessment, access and service-provider records and the yearly report are drafted; breach timelines and notices are prepared if one is suspected. The brokerage reviews. Tool: Regaldi Studio.12 CFR 1016.4; 16 CFR 314.4; §501.171
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. The system lists red flags with their documents for the AML officer. Whether to file is the officer’s decision, and nothing about a report is said to the borrower.31 CFR 1029.210, 1029.320
New business
2 · 5 · 1- S · The system runs it; a person at the brokerage confirms, approves or sends. Realtors, builders, CPAs, planners, insurance agents and attorneys: introductions, follow-ups and a history per relationship, sent after approval. Nothing of value for a referral. Tool: Regaldi Legate.RESPA §8(a); Reg X §1024.14(b)
- P · The AI assistant prepares it; the responsible licensed professional decides. Joint flyers, open-house sheets and webinars drafted with the cost split recorded by actual use, for the originator and the partner to approve. Payments only for services actually performed at fair value. Tool: Regaldi Studio.Lending-ad safeguards pending.RESPA §8(c)(2); Reg X §1024.14(g)
- P · The AI assistant prepares it; the responsible licensed professional decides. From the brokerage’s own records, past clients whose loan may merit a review are listed with the reason, and messages are drafted. The originator decides whether any message or recommendation is appropriate. Tool: Regaldi Studio and Regaldi Legate.Reg Z §1026.24
- P · The AI assistant prepares it; the responsible licensed professional decides. Market notes and first-time buyer guides to people who agreed to receive them. A licensed originator approves each campaign before it is sent, with sender identity and opt-outs. Tool: Regaldi Legate.Lending-ad safeguards pending.CAN-SPAM; §494.00165; §494.001(18)
- P · The AI assistant prepares it; the responsible licensed professional decides. Drafted for the originator’s approval with every claim checked and no targeting by protected class or its proxies. The licensee reviews and publishes. Tool: Regaldi Studio.Lending-ad safeguards pending.§1026.24; Reg N; §494.00165; Reg B §1002.4(b); 42 U.S.C. 3604(c), 3605
- P · The AI assistant prepares it; the responsible licensed professional decides. Sales, permits, new construction, scheduled auctions and bank-owned listings by ZIP as counts and trends, and property files for investor clients. Market research only: no trigger leads and no outreach to homeowners in foreclosure. Tool: Regaldi Quarry.12 CFR 1015; §501.1377
- S · The system runs it; a person at the brokerage confirms, approves or sends. A short, approved request to past clients after closing. The client writes the review; nothing is given for a positive one. Tool: Regaldi Legate.16 CFR 465.2, 465.4
- H · A licensed originator, the creditor or the AML officer acts. No autonomous execution; the system records around it. Only a licensed originator personally places a sales call. The system checks numbers against the national, Florida and internal do-not-call lists, keeps 8 a.m. to 8 p.m. and the three-call limit, and records opt-outs. No AI cold dialing, no trigger leads.§494.001(18); 47 CFR 64.1200(c); §§501.059, 501.616(6)
Read the whole map as a list
| No. | Process | Who carries it | Tool | What the system does | Rule |
|---|---|---|---|---|---|
| Inquiries and applications | |||||
| 01 | Inbound inquiries and booking | S · System runs it | Legate | Each web form, email, voicemail or text the person sent is logged and acknowledged in the brokerage’s words, and a time with a licensed originator is offered. The reply says it is automated and gives no rate, payment, APR or program opinion. | §494.001(18)–(19); 12 CFR 1008 App. A |
| 02 | Document checklist and secure upload | S · System runs it | Legate | The brokerage’s checklist goes to the person through its agreed secure upload channel, and what arrives is logged. Only what the file needs; no questions on protected characteristics beyond lawful, required collection. | §494.001(19)(a); Reg B §1002.5; 16 CFR 314.4(c) |
| 03 | Rate, payment and program questions | H · Human responsibility | Licensed originator | The system books the conversation and prepares the file. Which rate, which program and what the payment would be is the licensed originator’s answer. | §494.001(18); 12 CFR 1008.103(c)(2) |
| 04 | Taking the loan application | H · Human responsibility | Licensed originator | The licensed originator takes the application with the borrower. The system organizes the documents the borrower supplied; it never enters a new application into an online form. | §494.001(18); 12 U.S.C. 5102(4)(A) |
| 05 | Application clock | S · System runs it | Legate | Once the licensee confirms the six application items, the date is recorded and the Loan Estimate deadline goes on the originator’s calendar with a reminder. No disclosure is issued by the system. | Reg Z §1026.2(a)(3)(ii); §1026.19(e)(1)(iii) |
| 06 | Prequalification and preapproval letters | P · System prepares it | Studio | A Word or PDF letter is drafted from the figures and conditions the originator entered, in the brokerage’s form, for the originator to check and issue. No promise of approval. | §494.00165(1)(a) |
| 07 | Identity and document consistency | P · System prepares it | Studio | Names, addresses, employers, dates and amounts are compared across the documents, with each mismatch tied to its source page for the originator. A mismatch is not a fraud finding. | 31 CFR 1029.210 |
| Documents and processing | |||||
| 08 | Missing-document follow-up | S · System runs it | Legate | The borrower gets a reminder for each item still owed, after a licensee approves the message, until the file is complete. | §494.001(19)(b) |
| 09 | Document index | S · System runs it | Studio | Pay stubs, W-2s, tax returns and bank statements from the supplied folder are read into one index: pay dates, balances, missing pages and expiring documents. | §494.001(19)(a) |
| 10 | Income worksheet | P · System prepares it | Studio | A draft income calculation by the guideline the originator names, each figure tied to its page. Qualifying income is the originator’s and the underwriter’s decision. | |
| 11 | Assets and large deposits | P · System prepares it | Studio | Balances, seasoning and large or unusual deposits are listed with their evidence, and letter-of-explanation requests are drafted. The originator decides what to ask; possible AML concerns go to the AML officer. | 31 CFR 1029.320 |
| 12 | Verifications with the borrower’s authorization | S · System runs it | Studio · Legate | Employment, rent and deposit verification requests go out with the borrower’s signed authorization and are followed up until answered. Only authorized information is shared. | 12 CFR 1016 |
| 13 | Third-party orders and status | S · System runs it | Studio | Appraisal (through the lender’s ordering channel), title, flood certificate, insurance and condo questionnaire: requests entered in the originator’s browser and confirmed by a person, dates tracked. No target value and no contact with the appraiser about value. | Reg Z §1026.42(c)(1) |
| 14 | Property file from public records | S · System runs it | Quarry | Appraiser facts, flood zone, open permits and code cases, open lis pendens and recorded liens for the subject property, each with its source, Miami-Dade first. Not a title search; the title professional verifies title. | |
| 15 | Value check before the appraisal | P · System prepares it | Quarry | Nearby recorded sales and a supported range with its confidence, or an explicit “Insufficient evidence”. For the originator’s own planning; not an appraisal, and never sent to an appraiser to influence value. | Reg Z §1026.42(b)(3), (c) |
| Pricing, disclosures and locks | |||||
| 16 | Loan scenarios for the originator | P · System prepares it | Studio | From prices the originator pulled in the lender’s own screens, a side-by-side of rate, points, fees, payment and cash to close, including the safe-harbor options. The originator presents them. No pricing-engine connector. | Reg Z §1026.36(e)(3) |
| 17 | Rate lock decision | H · Human responsibility | Licensed originator | The borrower and the originator decide when and for how long to lock. The system records the lock confirmation. | §494.001(18); 12 CFR 1008.103(c)(2) |
| 18 | Lock and expiry calendar | S · System runs it | Legate | Each lock’s date, term, expiry and extension details are tracked, with reminders 7 and 3 days before expiry. No automatic lock or renegotiation. | 12 CFR 1008 App. A (b)(2)(ii) |
| 19 | Disclosure dates | S · System runs it | Legate | Loan Estimate due date, changed circumstances, Closing Disclosure timing and the seven-business-day waiting period, each computed and on the calendar. The responsible professional validates the dates. | Reg Z §1026.19(e), (f) |
| 20 | Fee and tolerance review | P · System prepares it | Studio | The Loan Estimate, the fee sheet and the Closing Disclosure are compared line by line, and tolerance questions are flagged. The originator and the creditor decide any cure. | Reg Z §1026.19(e)(3), (f)(2)(v) |
| 21 | Issuing disclosures | H · Human responsibility | Licensed originator | The responsible licensee issues the Loan Estimate and the Florida good-faith estimate of costs from the brokerage’s own system. The system records the date and method of delivery. | Reg Z §1026.19(e)(1)(ii); rule 69V-40.008; §1026.36(g) |
| 22 | Florida fee-cap review | P · System prepares it | Studio | The brokerage’s fees are checked against the statutory cap and fee form, kickbacks and bonuses included, and third-party fees against the trust-account rule. The principal loan originator decides; the system moves no funds. | §494.0042; §494.0038(1); rule 69V-40.008 |
| 23 | Affiliated and conflicting-interest disclosures | P · System prepares it | Studio | Where the brokerage or a relative holds 1 percent or more of a provider it refers, the written disclosures are prepared for delivery at referral. A professional approves delivery. | §494.0023; Reg X §1024.15 |
| Lender submission, conditions and closing | |||||
| 24 | Submission package to the lender | P · System prepares it | Studio | Documents, worksheets and disclosures are assembled in the wholesale lender’s checklist order with open items marked. The originator reviews and submits. | |
| 25 | Underwriting conditions | S · System runs it | Legate · Studio | Conditions are read from the approval, each assigned to the borrower, the title agent or the originator, and followed up with approved messages. The underwriter decides whether a condition is met. | §494.001(19) |
| 26 | Credit decision and adverse action | H · Human responsibility | Creditor | The creditor decides. Where the brokerage sends the notice, a draft uses the creditor’s actual, specific reasons for the licensee to check and send. The system never invents reasons. | Reg B §1002.9(a)(1), (b)(2), (g) |
| 27 | Changing terms after application | H · Human responsibility | Licensed originator | Requests to change program, rate, amount or fees go to the originator. The system records the request and the outcome. | 12 CFR 1008 App. A (b)(1)(ii) |
| 28 | Closing coordination | S · System runs it | Legate | The closing date, signing appointment, final figures and Closing Disclosure timing are confirmed with all parties, verifying only terms already agreed. Wire instructions are confirmed by phone to a known, independently verified number. | 12 CFR 1008 App. A (b)(2)(ii) |
| 29 | Post-closing file | S · System runs it | Studio | Final signed documents, the recorded mortgage and trailing items are collected and the file is completed for retention. | Rule 69V-40.175 |
| Licensing, compliance and records | |||||
| 30 | Licenses, sponsorships and CE | S · System runs it | Legate | Each originator’s license, NMLS sponsorship, branch license, renewal and continuing education are tracked with reminders. NMLS look-ups run in a browser session; an empty result proves nothing. | §§494.00312, 494.00313, 494.0036; rule 69V-40.0313 |
| 31 | Mortgage Call Report | P · System prepares it | Studio | Loan data from closed and pending files is compiled for the NMLS Mortgage Call Report, for the principal loan originator to review and file. | §494.004(2); 12 U.S.C. 5104(e) |
| 32 | Originator compensation review | P · System prepares it | Studio | Each funded loan’s compensation is compared with the written plan: no pay by rate or terms, no pay from both borrower and creditor, nothing to an unlicensed person. | Reg Z §1026.36(d); §§494.0025(7), 494.0038(2) |
| 33 | Advertising review | P · System prepares it | Studio | Ads, posts, pages and videos are prepared for licensee review against Reg Z triggering terms, Reg N, Florida rate-advertising wording and fair-lending wording, with a copy kept for two years. Lending-ad safeguards pending. | Reg Z §1026.24; 12 CFR 1014.3, 1014.5; §494.00165 |
| 34 | Records and retention | S · System runs it | Studio | Files, ads and correspondence are filed with retention dates: three years from original entry under Florida rules, 25 months for Reg B application records, three years for Reg Z. Folder organization, not certified archiving. | §494.0016(3); Reg B §1002.12(b); Reg Z §1026.25 |
| 35 | Privacy notices and the information security program | P · System prepares it | Studio | Privacy notices are scheduled; the risk assessment, access and service-provider records and the yearly report are drafted; breach timelines and notices are prepared if one is suspected. The brokerage reviews. | 12 CFR 1016.4; 16 CFR 314.4; §501.171 |
| 36 | Suspicious activity reports | H · Human responsibility | AML officer | The system lists red flags with their documents for the AML officer. Whether to file is the officer’s decision, and nothing about a report is said to the borrower. | 31 CFR 1029.210, 1029.320 |
| New business | |||||
| 37 | Referral partners | S · System runs it | Legate | Realtors, builders, CPAs, planners, insurance agents and attorneys: introductions, follow-ups and a history per relationship, sent after approval. Nothing of value for a referral. | RESPA §8(a); Reg X §1024.14(b) |
| 38 | Co-marketing with partners | P · System prepares it | Studio | Joint flyers, open-house sheets and webinars drafted with the cost split recorded by actual use, for the originator and the partner to approve. Payments only for services actually performed at fair value. Lending-ad safeguards pending. | RESPA §8(c)(2); Reg X §1024.14(g) |
| 39 | Past clients and rate reviews | P · System prepares it | Studio · Legate | From the brokerage’s own records, past clients whose loan may merit a review are listed with the reason, and messages are drafted. The originator decides whether any message or recommendation is appropriate. | Reg Z §1026.24 |
| 40 | Newsletters and market notes | P · System prepares it | Legate | Market notes and first-time buyer guides to people who agreed to receive them. A licensed originator approves each campaign before it is sent, with sender identity and opt-outs. Lending-ad safeguards pending. | CAN-SPAM; §494.00165; §494.001(18) |
| 41 | Website, articles, videos and paid ads | P · System prepares it | Studio | Drafted for the originator’s approval with every claim checked and no targeting by protected class or its proxies. The licensee reviews and publishes. Lending-ad safeguards pending. | §1026.24; Reg N; §494.00165; Reg B §1002.4(b); 42 U.S.C. 3604(c), 3605 |
| 42 | Market signals by area | P · System prepares it | Quarry | Sales, permits, new construction, scheduled auctions and bank-owned listings by ZIP as counts and trends, and property files for investor clients. Market research only: no trigger leads and no outreach to homeowners in foreclosure. | 12 CFR 1015; §501.1377 |
| 43 | Reviews from past clients | S · System runs it | Legate | A short, approved request to past clients after closing. The client writes the review; nothing is given for a positive one. | 16 CFR 465.2, 465.4 |
| 44 | Calling prospective borrowers | H · Human responsibility | Licensed originator | Only a licensed originator personally places a sales call. The system checks numbers against the national, Florida and internal do-not-call lists, keeps 8 a.m. to 8 p.m. and the three-call limit, and records opt-outs. No AI cold dialing, no trigger leads. | §494.001(18); 47 CFR 64.1200(c); §§501.059, 501.616(6) |
The AI assistant does not quote rates, take an application, lock a rate, issue disclosures, make a credit decision or solicit a loan.
The map describes responsibility for an agreed setup, not 44 delivered integrations. Lending-ad safeguards are still being added for 4 processes (33, 38, 40, 41), and those drafts are not shown as finished functionality. Brokerage voice is a setup option. Left off on purpose: AI or prerecorded sales calls and automated sales texts without prior express written consent (47 CFR 64.1200(a)(2); FCC 24-17; §501.059(8)(a)), trigger leads, paid mortgage-relief or foreclosure-rescue offers (Reg O; §501.1377), and any payment to Regaldi that depends on applications, locks or funded loans.
The file is prepared. The judgment stays with you.
The licensed originator handles terms, applications, locks and disclosures. The creditor makes the credit decision. The AML officer decides on suspicious activity reports.
Regaldi LLC is a Florida software company. It holds no Chapter 494 or NMLS license and does not originate, broker, fund or service loans.
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03 Rate, payment and program questions
§494.001(18); 12 CFR 1008.103(c)(2)- What the law places with the licensed originator
- Presenting particular loan terms for consideration, or offering to negotiate them, is loan-originator work. Florida’s definition also covers soliciting a mortgage loan for compensation.
- The file work around it
- The system books the conversation and prepares the file. Which rate, which program and what the payment would be is the licensed originator’s answer.
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04 Taking the loan application
§494.001(18); 12 CFR Part 1008, App. A- What the law places with the licensed originator
- Accepting an application requires a license, and even inputting the information into an online application counts as taking one. Florida’s only carve-out is physically handling or transmitting a completed application.
- The file work around it
- The licensed originator takes the application with the borrower. The system organizes the documents the borrower supplied; it never enters a new application into an online form.
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17 Rate lock decision
§494.001(18); 12 CFR 1008.103(c)(2)- What the law places with the licensed originator
- Deciding a lock is negotiating terms. The borrower and the licensed originator decide when and for how long; the system records the confirmation.
- The file work around it
- The borrower and the originator decide when and for how long to lock. The system records the lock confirmation.
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21 Issuing disclosures
Reg Z §1026.19(e)(1)(ii); rule 69V-40.008- What the law places with the licensed originator
- The Loan Estimate is the creditor’s or the broker’s disclosure, with the creditor responsible for timing. The Florida good-faith estimate of costs and the NMLS identifiers on loan documents stay with the licensee.
- The file work around it
- The responsible licensee issues the Loan Estimate and the Florida good-faith estimate of costs from the brokerage’s own system. The system records the date and method of delivery.
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26 Credit decision and adverse action
Reg B §1002.9(b)(2)- What the law places with the creditor
- The creditor decides, and adverse action reasons must be the creditor’s actual, specific reasons, whatever tools are used. A third party may send the notice, naming each creditor.
- The file work around it
- The creditor decides. Where the brokerage sends the notice, a draft uses the creditor’s actual, specific reasons for the licensee to check and send. The system never invents reasons.
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27 Changing terms after application
12 CFR Part 1008, App. A (b)(1)(ii)- What the law places with the licensed originator
- Responding to a request for a different rate or terms by presenting a revised offer is offering or negotiating. It belongs to the licensed originator.
- The file work around it
- Requests to change program, rate, amount or fees go to the originator. The system records the request and the outcome.
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36 Suspicious activity reports
31 CFR 1029.320- What the law places with the AML officer
- A residential mortgage originator keeps a written AML program and files suspicious activity reports at the $5,000 threshold. The designated officer decides, and a report or a possible report is never disclosed to the borrower.
- The file work around it
- The system lists red flags with their documents for the AML officer. Whether to file is the officer’s decision, and nothing about a report is said to the borrower.
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44 Calling prospective borrowers
§494.001(18); §§501.059, 501.616(6)- What the law places with the licensed originator
- Soliciting a mortgage loan is licensed activity in Florida, and Chapter 494 licensees have no telemarketing exemption in §501.604. A licensee who calls follows the do-not-call lists, the calling hours and the three-call limit.
- The file work around it
- Only a licensed originator personally places a sales call. The system checks numbers against the national, Florida and internal do-not-call lists, keeps 8 a.m. to 8 p.m. and the three-call limit, and records opt-outs. No AI cold dialing, no trigger leads.
Regaldi is a software vendor, not a contract loan-processing service, and the in-house loan-processing line does not create a license exemption for an AI assistant. Principal loan originator and branch supervision remain with the brokerage (§494.0035). Summaries of Chapter 494 and the federal rules as read on October 13, 2026; read the full texts at leg.state.fl.us and ecfr.gov. General information, not legal advice.
Choose the work worth measuring.
Use your volumes to estimate administrative workload, then measure one workflow with your team.
≈ hours a week
Modeled administrative workload: hours a week, of the team’s paid hours. The part selected for evaluation is of those hours.
25 inquiries × 15 min ÷ 60 + 10 loans × 12 ÷ 52 × 10 h = 29.3 hours a week; × 38.6% = 11.3 selected for evaluation
An estimate from the assumptions shown, not a measurement of your brokerage or a promised saving. Saved processing time does not change who may take an application or quote terms.
Prepare the next conversation.
Build professional relationships and serve people who asked to hear from you. The licensed originator does the selling.
Find
Legate · Studio · QuarryTrack A · business partnersRealtor offices, builders, CPAs, planners, insurance agents, attorneys and investor companies in the brokerage’s counties.
Track B · consumers who askedThe brokerage’s own past clients, inbound requests and compliant advertising. No bought or constructed consumer lists.
No trigger leads (15 U.S.C. 1681b(c)(4)(B), in force March 2026). No lis pendens or foreclosure lists for homeowner outreach.
Research
Legate · Studio · QuarryTrack A · business partnersLicense registries and Sunbiz for each partner; public business information.
Track B · consumers who askedThe requested property’s facts and open questions, for the originator’s conversation.
NMLS look-ups use a browser; an empty result proves nothing. No credit pull through Regaldi.
Write
Studio · LegateTrack A · business partnersApproved introductions, and co-marketing drafts with the actual cost split.
Track B · consumers who askedNewsletters, guides and past-client messages, each approved by a licensed originator.
Lending-ad safeguards pending where ad content applies. No automatic compliant-ad claim.
Call
Legate voice, setup optionTrack A · business partnersCalls scheduled with partners who agreed to hear from the firm.
Track B · consumers who askedThe licensee personally dials lawful sales calls. An AI voice only schedules and lists documents for people who asked and gave written consent.
Written consent for AI and automated marketing, do-not-call checks, 8 a.m. to 8 p.m., three calls in 24 hours, recording only with every party’s consent.
Follow up
LegateTrack A · business partnersRelationship history and the agreed next contact.
Track B · consumers who askedRate and program questions routed to the originator. Opt-outs suppressed promptly.
An inbound call or text does not establish written marketing consent.
Present
Studio · QuarryTrack A · business partnersGuides to documents, flood information and the loan process.
Track B · consumers who askedThe originator presents loan options from their own figures; Studio organizes the material.
No recommendation by the assistant and no influence on an appraisal.
Meet and apply
Licensed originatorTrack A · business partnersThe originator meets the referred borrower; the source is recorded.
Track B · consumers who askedThe originator takes the application; disclosures follow the map.
No referral payment, no closing promise. Taking the application, the lock and disclosures stay human acts.
Investor material is a small business-purpose strip for company buyers researching auction and bank-owned properties. Public records are research, never a list of distressed homeowners to approach. There are no mortgage acquisition results to publish; this is the method.
Clear limits on every outgoing step.
Approved messages, permitted audiences and documented consent keep the workflow within its agreed scope.
Solicitation§494.001(18)–(19)
Florida’s loan-originator definition covers solicitation, application-taking and negotiation. The AI assistant stays within §494.001(19) loan-processing work under licensed supervision, identifies itself as automated and not a loan originator, and gives no rate, APR, payment, program-fit or credit-decision explanation. Read the text
Calls and textsTCPA; §§501.059, 501.616(6)
AI or prerecorded marketing calls and automated marketing texts require prior express written consent. National, Florida and internal do-not-call lists, 8 a.m. to 8 p.m. at the recipient’s location, no more than three covered calls in 24 hours (§501.616(6)), and prompt opt-out suppression. Recording requires every party’s consent (§934.03). A business listing, owner verification or past inbound contact is not written marketing consent. No blanket Chapter 494 exemption. Read the text
EmailCAN-SPAM
Accurate sender identity, advertising identification where required, a postal address and a clear opt-out. Email opt-outs are honored within 10 business days; operating policy suppresses promptly. Read the text
Trigger leads15 U.S.C. 1681b(c)(4)
Regaldi does not buy, build or deliver mortgage-credit-inquiry consumer lists. The Homebuyers Privacy Protection Act, Pub. L. 119-36, is in force from March 2026. This product excludes trigger leads altogether. Read the text
ForeclosureReg O; §501.1377
No outreach to homeowners in foreclosure, and no mortgage-relief or foreclosure-rescue offer. Reg O and §501.1377 impose separate restrictions, including advance-fee limits and disclosures; property research for investor businesses never authorizes homeowner targeting. Read the text
Referrals and co-marketingRESPA §8; Reg X §§1024.14–15
No money, gifts, discounts or services for settlement-service referrals. Co-marketing payments only for services actually performed, at fair market value and allocated by use, never by referral volume. Read the text
AdvertisingReg Z §1026.24; Reg N; §494.00165
Licensee review of every ad. Rates stated as APR; triggering terms carry their complete disclosures; HELOC advertising follows §1026.16(d). A rate example carries the Florida wording that the expressed rate could change or not be available at commitment or closing. No numeric rate example appears on this page. Read the text
Advertising truth§1026.24(i); 12 CFR 1014.3
No unqualified access-to-credit claim, unavailable rate offer, false government affiliation, misleading fixed-rate or comparison claim, debt-elimination promise, misleading use of a current lender’s name, or “counselor” for a for-profit broker. Disclosures stay consistent across languages. Ad copies are kept two years under Florida law and 24 months under Reg N. NMLS identifiers belong on the required loan documents. Read the text
Fair lendingReg B; 42 U.S.C. 3604(c), 3605
No discriminatory wording, images, audiences, protected-class targeting or proxies. The creditor supplies the actual specific principal reasons for adverse action; the assistant invents none. Notice timing and creditor identification remain a professional responsibility. Read the text
Fees and conflicts§§494.0042, 494.0023, 494.0038
The principal loan originator checks the §494.0042 cap and fee form, the treatment of kickbacks and bonuses under rule 69V-40.008, third-party funds in the trust account, and written disclosure of conflicting interests of 1 percent or more. Affiliated referrals carry the Reg X disclosure. These are brokerage obligations, not Regaldi prices. Read the text
Originator compensationReg Z §1026.36; §494.0025(7)
No compensation based on loan terms, no prohibited dual compensation, no steering for compensation and no commission to an unlicensed recipient. The originator presents the options for the anti-steering safe harbor. Read the text
AML31 CFR 1029.210–320
A written AML program. Red flags go to the designated officer, who decides on any suspicious activity report at the $5,000 threshold. A report or a possible report is never disclosed to a borrower. Read the text
Records and licensing§494.0016(3); §1002.12; §1026.25
License, sponsorship, branch, renewal and CE dates are tracked; reminders do not certify compliance. Florida records three years from original entry, Reg B application records 25 months, Reg Z records including three years for compensation. Longer requirements and holds are kept. File organization, not certified archiving. Read the text
Agree the data terms before the first file.
Set the permitted folders, accounts, review owners and written service-provider terms before processing borrower information.
- Your computerThe brokerage folderstays here
- Regaldi’s serverPasses the task textstores conversation memory and uploaded attachments
- AI providerAnthropic or OpenAIprocesses the text used for a task
Before the first borrower file, agree permitted folders and accounts, retention, deletion, incident notice and the people responsible for review in writing. AI output can be wrong. Check sources, figures and recipients before relying on the work.
Who approves what
The brokerage must have a licensed originator approve every consumer-facing message before it is sent or used. Portal submissions require brokerage review and authorization. Disclosures are issued by the responsible licensee through the brokerage’s own system.
- Operating policy
- The brokerage has a licensed originator approve every consumer-facing message before it is sent or used, reviews portal submissions, and issues disclosures from its own system. Review steps are configured with the brokerage and the approval record is kept.
- Service-provider terms
- The brokerage is a financial institution under Reg P and the FTC Safeguards Rule. Provider handling, access, retention, deletion, incident notification and oversight are agreed by contract (16 CFR 314.4(f)). FTC notice within 30 days for an event affecting 500 or more consumers, and Florida §501.171, apply where they are triggered.
- Verifications
- Verification requests use the borrower’s signed authorization and share only authorized information.
- Claims not made
- No local-only processing, zero data retention, SOC 2 or ISO claim. Demonstrations use fictional inputs, with no real Social Security numbers, credit reports or account numbers.
The FTC Safeguards Rule 16 CFR 314.4 and §501.171 in full.
Start with one workflow.
Choose the file task, agree the permissions, and review the work with your team.
- 01
Scope
One file task, the permitted data, a named licensed reviewer and a baseline measured with your team, agreed in writing with the data terms.
- 02
Supervised run
The task running on real work under licensed supervision: a document index, a Word and PDF preparation packet, or a Miami-Dade property dossier.
- 03
Review
Time, corrections and source quality measured against the baseline before anything is expanded.
A fixed price per firm for software and services. No fees based on applications, locks, funded loans or loan amounts. No revenue share. Regaldi pays and receives nothing for referrals (Reg Z §1026.36(a), (d); RESPA §8; §494.0025(7)).
The scope of each step is agreed in writing, with the data terms in place before borrower files are processed. Studio, Legate and Quarry are also sold on their own. Regaldi reports what it observes and its limits; it does not promise results.
Prices: regaldi.ai/pricing/
Tell us where the work collects.
Describe one task your brokerage wants to improve: your role, team size, counties and the workflow. A principal reads every inquiry and writes back by email about this workflow only. This form asks for a business discussion with Regaldi; it is not consent to calls.
Describe the task without borrower names, account details, documents or passwords.
Do not include patient information, client files or passwords. Sending this does not purchase a service. Your message is relayed to office@regaldi.ai through FormSubmit; our Privacy Policy applies.
Regaldi LLC is a Florida software company, not a mortgage broker, lender or loan originator. It holds no Chapter 494 or NMLS license, does not originate, broker, fund or service loans, and does not pull credit. General information, not legal advice. Each brokerage remains responsible for Chapter 494, OFR rules, federal lending law and telemarketing law. The rule summaries on this page are simplified; read the full texts linked here. AI output can be inaccurate and must be reviewed by a licensed person before it is relied on.