Captures every borrower
A conversational AI greets visitors 24/7, adapts its questions to FHA, VA, conventional, DSCR, HELOC, refi, or jumbo, and never lets a lead bounce without capturing their details.
For licensed mortgage loan officers
Meet Cerebro: the AI that works your borrowers while you close loans.
Cerebro answers and qualifies every borrower who reaches your site, day or night, then hands you the ready ones and keeps your follow-up moving. Lock a protected ZIP so the demand in your market comes to you, not to the loan officer down the street. Your leads and your site stay yours, even if you change brokerages.
Built by licensed loan officer David J. Moore, MBA · NMLS #787257 · CA DRE #01852847
- Free to start
- No credit card
- You keep every lead
- 24/7
- Always-on capture
- 1 MLO
- Per territory
- 100%
- Leads you own
Instant ZIP availability
Enter a 5-digit ZIP to check availability. Free signup does not reserve a ZIP; exclusivity begins with a paid plan.
Checking availability is free — locking a territory requires a paid plan. Plans from $99/mo with a 15-day free trial.
Exclusive to you
One MLO per ZIP
Own your leads
Portable for life
AI does the work
Capture to booking
Live in days
No developer needed
Built by a licensed loan officer, not a marketing agency
David J. Moore, MBA — 25+ years in mortgage lending, former top-producing loan officer at Chase Bank and Wells Fargo Home Mortgage, 2,000+ loans closed, and Amazon-published author on real estate lead generation. Licensed NMLS #787257 · CA DRE #01852847.
Meet Cerebro™
One agentic AI, working both sides of the loan
Cerebro is not a script or an FAQ box. It takes action: it looks up live data, records what people tell it and moves them to the next step. It works for you inside your dashboard, and it works for your borrowers on your site, under your brand.
For you, the loan officer
Builds your growth plan
Tell it your market and your biggest challenge; it maps the next steps for your ZIP.
Works your pipeline
Surfaces who needs a call today and drafts the follow-up for your review.
Writes your marketing
Drafts local posts, Google Business Profile updates and Realtor co-marketing.
Keeps follow-up moving
Runs nurture sequences on schedule so no borrower goes cold.
For your borrowers
Answers questions 24/7
Explains programs and next steps in plain language, any hour, on your site.
Qualifies the inquiry
Captures goal, timeline, price range and contact details with consent.
Books time with you
Offers your open slots and puts the appointment on your calendar.
Hands off to you
Routes ready borrowers to you with a summary, never to another lender.
Cerebro assists licensed loan officers; it does not replace one. It never quotes rates as offers, makes credit decisions or gives legal or tax advice, and every borrower conversation is handed to you, the licensed MLO.
No credit card. Results vary; nothing here is a guarantee of leads or loan approval.
Shared leads are a tax on your career.
You buy a lead. So do four other officers. You race to dial first, most never answer, and the ones who do already talked to your competition. Then you switch companies and lose the whole pipeline. YPN USA ends that — exclusive territory, autonomous follow-up, and a book you own for life.
Everything an MLO needs
An AI agent that does the whole job
YPN USA isn't another lead form. It's an autonomous teammate that works your territory around the clock.
Qualifies while you sleep
It scores credit posture, income, intent, and urgency in real time — so tire-kickers get nurtured and prime borrowers get flagged the moment they're hot.
Follows up instantly
Confirmation email, SMS acknowledgment, and a multi-day nurture ladder fire automatically. No borrower waits hours for a callback again.
Books the consultation
Qualified borrowers land straight on your calendar with the right context attached. You show up to a warm, pre-qualified conversation.
Scoring and qualification are informational — licensed loan officers make every lending decision. See our licensing & disclosures.
Three steps
From ZIP code to pipeline
1
Claim your ZIP territory
Lock exclusive rights to the borrower demand in your ZIP codes. One MLO per territory — no bidding wars, no shared leads, no waiting on Realtors.
2
Your AI agent goes to work
We deploy your always-on intake assistant on your own MLO website. It captures, qualifies, routes, and nurtures every borrower automatically.
3
You close more loans
Pre-qualified, pre-scheduled borrowers hit your calendar. You spend time closing — not chasing cold forms and recycled leads.
Exclusive ZIP territories
Own your ZIP codes. Stop sharing leads.
Every borrower inquiry generated through your YPN USA pages and campaigns routes to you — and only you. No lead resold to five competitors. No race to dial first. Just your market, protected.
- One loan officer per ZIP — exclusive by design
- First-come reservations; popular metros go fast
- Expand into neighboring ZIPs as you grow
Instant ZIP availability
Enter a 5-digit ZIP to check availability. Free signup does not reserve a ZIP; exclusivity begins with a paid plan.
You own it — for life
Switch brokerages? Keep everything.
Your pipeline shouldn't reset every time you change companies. With YPN USA, your leads and your website belong to you — permanently.
Your leads are yours — forever
Every borrower your AI captures belongs to you, exported and portable. Change brokerages tomorrow and your entire book comes with you.
Your MLO website travels with you
The intake site and assistant are tied to you, not your employer. Switch companies and keep your domain, your funnel, and your pipeline intact.
No more starting over
Most MLOs lose their pipeline every time they move. With YPN USA, your growth engine follows you for your entire career.
Predictive life-event intelligence
Find motivated borrowers before the listing hits
Where supported data is available, YPN USA can organize public-record signals in your territory to help identify timely financing conversations. Availability varies by county and plan.
Probate & estate financing
Use supported public probate records to identify potential estate-financing needs before a property reaches the MLS.
Divorce & refinance signals
Use supported public dissolution records as a signal for possible refinance or sell-and-rebuy needs.
New-union homebuyers
Where lawfully available, use life-stage signals to provide relevant homebuyer education without sensitive targeting or pressure.
Availability, permitted use, and freshness of public-record data vary by county and plan. Users remain responsible for privacy, licensing, and outreach compliance. Read our licensing & disclosures.
See it work
See your MLO website before you buy it
Try it yourself — pick a loan program and answer a few questions. This is the exact autonomous intake that captures, scores, and routes every borrower in your territory.
Programs supported:FHAVAConventionalDSCRHELOCRefinanceJumbo
Engage on contact
An interactive tool your borrowers can't ignore
Every YPN USA site ships with a live payment calculator that keeps borrowers engaged — and hands you the intent signal the moment they start modeling a loan.
Pricing
Start free. Upgrade when you're ready.
Reserve a ZIP, deploy your AI, and own the pipeline it builds.
Free
Run Cerebro and prove demand before you pay anything
$0forever / no card
- Cerebro AI growth diagnostic
- AI borrower intake assistant
- Qualification + scoring
- Explore the borrower intake experience
- Live lead delivery begins on a paid plan
Pro
More automation, same exclusive footprint
$99/mo
- 1 included exclusive ZIP
- Higher automation run limits
- SMS + email nurture ladders
- Calendar booking + CRM mirroring
- 15-day free trial
Growth
For the serious loan officer
$199/mo
- 1 included exclusive ZIP
- Portable MLO website
- Priority lead delivery
- Advanced life-event signals
- 15-day free trial
Exclusive
Maximum automation and priority support
$299/mo
- 1 included exclusive ZIP
- Priority territory add-on access
- Unlimited automation runs
- White-glove onboarding
- 15-day free trial
Start free — no credit cardCancel anytimeYou keep every lead you capture
Territory availability is limited and first-come. Prices shown are launch rates.
Built by a loan officer
Founded by David J. Moore, MBA, with nearly 30 years in mortgage
Former top-producing loan officer at Chase Bank and Wells Fargo Home Mortgage, Amazon-published author and nationwide speaker. NMLS #787257 · California DRE #01852847.
Everything you need to know
What is Cerebro?
Cerebro is YPN USA's agentic AI assistant for mortgage loan officers. It works on both sides: inside your dashboard it builds your growth plan, works your pipeline and drafts your marketing; on your website it answers borrower questions 24/7, qualifies them and books time with you. It assists you as the licensed loan officer and never replaces you.
What does “exclusive ZIP territory” actually mean?
You lock the rights to borrower demand in specific ZIP codes. Only one loan officer owns a territory at a time — so you're never competing with five other MLOs for the same recycled lead.
Do I really keep my leads if I switch brokerages?
Yes. Your leads, your pipeline, your MLO website, and your domain are tied to you — not your employer. If you change companies, your entire book of business and growth engine come with you.
Is this really autonomous, or do I have to run it?
It runs itself. The AI captures borrowers, qualifies them, sends follow-ups, and books consultations automatically. You get warm, pre-qualified conversations on your calendar without lifting a finger.
Which loan programs does it handle?
FHA, VA, conventional, DSCR, HELOC, refinance, and jumbo — each with a tailored question flow. DSCR and investor lending are fully supported, so you can capture the fast-growing investor-borrower market too.
How much does it cost to start?
Nothing. Run Cerebro — our free AI growth diagnostic — plus the AI intake assistant, no credit card. When you're ready to lock exclusive ZIP capacity, paid plans are Pro $99/mo, Growth $199/mo, and Exclusive $299/mo — every paid plan includes a 15-day free trial. Free signup does not reserve a ZIP.
Stop giving your pipeline away.
Reserve your ZIP codes, deploy your AI agent, and start capturing borrowers who are yours to keep.
Claim your ZIP territoryPrefer analytics? View the live intake ledger →