The 2 AM text, answered by 2:01.
Your clients text at midnight, and you answer. What if the whole shop did, in all five of your languages?
Text Nik · 412.320.1130or ceo@100x.inc
$1B+
Residential loans funded
100+
Lenders on the menu
5
Languages on your team
Alex ShekhtmanFounder & CEO · NAMB Broker of the Year
scroll
02 · our read
Three things we noticed from outside.
The origin
Founded in 2008, mid-crisis. The hard market is your home market.
lbcmortgage.com/about-us
The proof
A billion funded, a hundred lenders, NAMB Broker of the Year.
NAMB · lbcmortgage.com
The edge
English, Spanish, Ukrainian, Russian, Hebrew. And clients rave about your speed.
lbcmortgage.com homepage · client reviews
Off-read? 412.320.1130 sets us straight.
03 · built for your table
Written for the people who run LBC.
Forwarded this link? Good. It was built with your seat in mind too.
Alex Shekhtman
Founder & CEO
Triple the non-QM volume without tripling the shop.
Daniel Desyatkin
Loan Processor
Docs chase themselves overnight. Mornings start at five-of-six in.
Catherine Moore
Account Manager
Every file's status, current before anyone has to ask.
Dyliara Tabanova
Compliance Specialist
Every match traces to a guideline page. Audit-ready by default.
Team per lbcmortgage.com/about-us
04 · intake, multiplied
Midnight pre-qual, in her language.
An agent pre-quals in Spanish at midnight. Your LO reads it in English by morning.
12:04 AMintake liveLBC
Hola, tengo mi propio negocio. ¿Puedo calificar sin W-2?
Sí, es muy posible. Con 12 meses de estados de cuenta puede calificar. ¿Se los puedo pedir aquí mismo?
Bank-statement candidate. Self-employed 3 yrs · docs requested overnight · ready for your call.
05 · the doc chase
The chase runs itself.
Statements in. License in. Insurance pinged with the exact wording needed.
desk.lbc.example/file/2208/docs
Chasing overnight·Borrower + 2 third parties
Hernandez purchase · DSCR5 of 6 in
✓Bank statements, 12 moAll pages legible, balanced11:48 PM
✓Lease agreements, both unitsRents match the 10076:12 AM
→Insurance binderAgent emailed the exact clause needed6:30 AM
·Payoff statementServicer follow-up queued for 9 AM9:00 AM
06 · the lender match
A hundred lenders, ranked in seconds.
The file shops your whole lender list. Your LO picks from the best three.
match.lbc.example/file/2208/lenders
The file
ProgramDSCR purchase
DSCR1.19
LTV75%
Mid score702
StateTX
Ranked · from 100+ on your list
Lender A7.125% · no prepay-penalty conflictbest fit
Lender B7.250% · faster CTC historyfits
Lender C6.990% · wants 6 mo reservesnear
LO Your LO picks, prices, and owns the call.
07 · the next rung
You keep climbing the stack.
2008
Brokering through the crisis
Two immigrants open a shop in the worst year possible.
The build
100+ lenders, ten states
A billion funded across CA, FL, TX and beyond.
The climb
Your own non-QM and DSCR programs
Lending in CA, DSCR in 38 states.
Next
An AI desk under every LO
Intake, doc chase, and lender match running around the clock.
Three times the non-QM volume. The same team.
08 · the pod
What would you name it?
Mine is called Sasha. She runs my calendar, my inbox, and built this page for you overnight.
Alex's page is live. His shop works in five languages, so I made the intake agent do the same. Felt right.
09 · where this has run
Mortgage AI is home turf.
Button Finance · customer
A pre-underwriting agent inside Encompass.
Eight sub-agents reading docs, calculating income, clearing conditions. An audit packet behind every decision.
Angel Oak · workshop
The Atlanta AI-strategy workshop.
A day with Angel Oak Mortgage Solutions' executive team, turning AI vision into a phased non-QM roadmap.
Home.LLC · the origin
A housing finance company run by an agent named Sophei.
Underwriting, capital deployment, and servicing automated across 100M+ analyzed properties.
“Exactly what we needed in a partnership. You boosted our productivity 100×!”Rupesh Munot · CEO · RSL Solutions
10 · the floor under it
Built so the client still gets Alex.
A person signs every send.
Agents draft. Your LOs approve, in their own voice.
Every match shows its work.
Each ranking traces to a guideline page. Audit-ready by default.
Your data works for you alone.
Files live in your systems and feed your pipeline only.
The relationship stays the product.
AI amplifies the late-night responsiveness clients already rave about.
11
Opposed to exploring further?
Human CEO
Nik Shah
“If AI can do my job, why can't it do your job.”
Nik Shah, CEO, 100×
Built Home.LLC, now 99% run by an AI agent called Sophei. Sold iSquad / SPS. EY alum, entry level to Chief of Staff to the Board in six years. Carnegie Mellon.
Quoted in WSJ, Fortune, Axios and 50+ publications. Called “the most accurate housing market forecaster in America.”