A Multi-Layered Shield for the Modern Homeowner
The Ancillary Suite
The Shift From Debt to Value
In the transactional model, a lender provides a commodity (debt). In the Concierge model, the lender provides The Ancillary Suite: a curated ecosystem of products designed to manage, maintain, and protect the homeowner's most valuable asset.
The Core Product Verticals
The suite is structured into four distinct layers of protection, all embedded directly into the Digital Hub to create a frictionless experience.
Mandatory protection against catastrophic loss that secures the underlying collateral.
A financial shield against repair inflation for critical systems like HVAC and plumbing.
Integrated smart-home monitoring to align the brand with family safety and asset health.
Protecting the human income stream behind the payment through life and disability coverage.
The Strategic Objective
"Revenue beyond the mortgage" Embedded products can create fee income for mortgage banks with no added operational effort.