Two platforms come up repeatedly when MLOs talk about technology that actually impacts production: Mortgage Coach and Vicario Intelligence. They are not competitors. They sit at opposite ends of the loan lifecycle and solve different problems.
What Mortgage Coach Does
Mortgage Coach (now part of the Sales Boomerang ecosystem) is a borrower presentation tool. Its core product is the Total Cost Analysis, a visual comparison of multiple loan scenarios shown side-by-side over time. It is designed for the point in the relationship when you already know the deal is doable and you want to help the borrower choose between options. It excels at refinance comparisons, rate vs. points decisions, and showing the long-term cost of different loan structures. The platform sends the presentation as a shareable link the borrower can review with their financial advisor.
What Vicario Intelligence Does
Vicario is an AI-powered guideline research and scenario intelligence platform. Aria, the AI at its core, answers the questions you need to resolve before you even know which loan to present: Can this borrower qualify? Which program applies? What does the non-QM lender require for a 12-month bank statement loan with a recent late payment? It pulls from agency guidelines and lender-specific knowledge and cites its sources. The goal is to get you from scenario to eligible program faster, without burning an hour on the phone with a lender's underwriting hotline.
When to Use Each
- ✦Use Vicario first: to determine whether a deal is fundable, which program category applies, and which lenders to target for a complex borrower
- ✦Use Mortgage Coach second: once you have identified the right loan, to present multiple scenarios to the borrower in a format they can understand and share
- ✦Use Vicario for ongoing research: guideline changes, non-QM program updates, and lender-specific overlays
- ✦Use Mortgage Coach for ongoing retention: annual reviews, trigger alerts when rate drops, cash-out refinance conversations
Start with Aria at vicariointel.com to determine program eligibility. Once you know the deal works, Mortgage Coach handles the presentation layer.
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