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Every buyer an agent sends you, in one place.
Real estate agents and insurance pros send you Purchase loan, Refinance, Home equity / HELOC, Reverse mortgage and Investment property loan referrals with the details you need, like the property, price range and timeline, already filled in. You send pre-approved buyers to the agents you trust and homeowners to your insurance partners, and everyone sees one live status. Refervia never takes, calculates or handles referral fees.
Each referral comes with the property, price range and timeline filled in, and you and the agent see one live status.
Use Refervia with the agents and insurance partners you already trust.
Refervia doesn't hand your clients to strangers. Invite the agents and insurance pros you already work with by email, send handoffs directly, and track status from one organized workflow. Partners join free.
One link for every agent who wants to send you a buyer.
On Pro and up, put refervia.com/r/your-name in your email signature, bio, or a text. Your page shows your photo, company logo, Verified badge, and the loans you work on, and asks who's sending first. Your clients and friends send without an account. Real estate, mortgage and insurance pros join free in about 30 seconds (or log in) and become your trusted partner. Builders, CPAs and other partners can send with a quick email code, no account needed.
Purchase loans and refinances across Charlotte.
Sending as a client or friendChange
1Federal law (RESPA) bars giving or taking a fee, gift or anything of value for referring a client to a lender or mortgage broker, in either direction.RESPA § 8, 12 U.S.C. § 2607; 12 CFR 1024.14(b)
Reminders, not legal advice. Refervia never takes, calculates or handles referral fees.
- ✓Your photo, company logo, Verified badge, preferred areas, and lines of business on one page.
- ✓Mortgage referral types come first on your form, from Purchase loan to Investment property loan.
- ✓Every referral lands on your Referral Desk with a notice, and you both track it from there.
- ✓Refervia never sells client or customer data, and is not a lead marketplace.
Agents call your number. The referral lands on your desk.
The Refervia Line is your own phone number for referrals. Agents call it any time, even while you're in a closing. It greets them with your name, says the call is recorded and transcribed, and writes down the client's name, number, what they need and where. Moments later it's on your Referral Desk as a new referral from that agent, and one tap adds it. Prefer to pick up? It rings your phone first and takes the referral if you can't.
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RefervianowNew referral from Simone MalikIris Conway, first homeLineThanks for calling Dana Okafor at Lakeside Home Lending. This call is recorded and transcribed.
SimoneHi Dana, it's Simone. Iris Conway, 704 555 0134, wants to buy in South End and needs a pre-approval.
SimoneFirst home, hoping to make an offer this month. Texts are best.
- ✓Partners call one number, any time, and every caller hears that the call is recorded and transcribed.
- ✓Take the call yourself or let your Line take it. Either way the client's name, number, need and location are written up for you.
- ✓Pro includes 300 minutes a month and Pro Max 1,000. No overage charges: at the limit, your Line still takes every referral.
- ✓Driving? Call your own Line and say who the client is for. It's a draft ready to send when you park.
- ✓Click to call any client from your Line. Every call is logged on the referral, and smart matching knows who's calling back.
- ✓Line numbers are open. Pro members choose theirs from the dashboard.
Send pre-approved buyers to agents and homeowners to insurance pros.
Most of what you send goes two places. A buyer you've pre-approved needs an agent, and a homeowner closing on a loan needs insurance in place. Your referral forms add what each partner needs, and both of you see the same live status.
Find agents and insurance pros near you in the Partner Network.
New to a market, or need an agent where your buyer is moving? Browse Refervia members by profession, state, city or ZIP, and line of business, then send a request to connect. Once they accept, you are trusted partners and can send referrals right away. The Partner Network is free on every plan.
- ✓Real estate agents, loan officers, insurance agents, title and escrow pros, brokerages, and agencies.
- ✓Filter to Verified only, and see who is active this month and fast to respond.
- ✓List yourself as a loan officer, with lines like Purchase, Refinance, FHA and VA.
- ✓Not a lead marketplace: nobody pays for placement and Refervia never sells leads.
- ✓Your choice: you can hide your own listing anytime in Settings.
Get Refervia Verified with your NMLS ID.
Add your NMLS ID and our team checks it by hand on NMLS Consumer Access, usually within 24 to 72 hours. Once it's confirmed, the Refervia Verified badge appears on every referral and invite you send, so the agents and insurance pros you work with can see your NMLS record was checked.
- ✓One national number, no state license to pick.
- ✓A trust badge on your handoffs, invites, and profile.
- ✓You hear in the app and by email as soon as it's checked.
When an agent sends a buyer, the first call matters.
Agents notice who reaches their buyer first and keeps them posted. Refervia puts the client's details in front of you the moment the referral lands and shows the agent every update, so you never have to text back and forth to prove you called.
Get complete details
Area, price range, loan type, pre-approval status and timeline arrive in one handoff.
Hear about it right away
Every new referral sends you an email, plus phone and computer notifications once you turn them on.
Show the agent you called
Mark it Contacted and the agent sees it at once, without a follow-up text.
Close the loop
Move it to In Progress and Completed (Won), so the agent always knows where their buyer stands.
Referral momentum fades fast.
Harvard Business Review research found that contacting a lead within the hour makes you about 7x more likely to reach a decision-maker than waiting longer. Refervia helps you reach the buyer while they're still ready to talk.
From agent referral to closed loan.
Refervia organizes every referral, so you know what was sent, where it stands, and what happens next.
- 1Invite or select a trusted partnerBring the agents and insurance pros you already work with, or find a verified one in the Partner Network and send a request to connect.
- 2Send or receive the handoffMortgage referrals arrive with the property, price range and timeline. Buyers you send carry the pre-approval amount and loan type.
- 3Track the referral statusFollow it from New to Contacted to In Progress to Completed (Won), and set a follow-up date to get an in-app reminder.
- 4Keep every relationship organizedLabels, notes and signals show which partners follow through, so your best agents get your next buyer.
No referral fees. A RESPA reminder before every send.
Refervia never takes, calculates or handles referral fees, and nobody pays for placement. Before a handoff goes out, the handoff checks show the referral rules that apply to it, each with its source.
When a loan officer sends a buyer to an agent, the first reminder is RESPA: federal law bars giving or taking a fee, gift or anything of value for referrals to or from real estate agents. You confirm your client agreed to be referred, and that confirmation stays with the referral.
Know which agents actually follow through.
You need agents who call your buyers fast, keep you posted and send business back. Refervia shows who does, so your next buyer goes to an agent who earned it.
Preferred partner labels
Mark your strongest agents and insurance partners as Preferred or Reliable so they are easy to pick for your next handoff.
Private relationship notes
Add notes like “great with first-time buyers,” “works a lot of VA buyers,” or “slow to update on urgent files.”
Partner Quality Signals
On Pro and up, partners earn signals like Fast Responder, Consistent Updates, Complete Handoffs, and Specialty automatically, plus a typical response time.
Give and get
On Pro and up, see what you've sent and received with each partner over the last 12 months, so you know which agents send buyers back.
Partner agreement
Every partnership starts with Refervia's short agreement, signed once when you connect, on every plan: the client's OK first, first contact within 24 hours, and status kept current.
Disconnect weak partners
Pause, label as Watchlist or Do Not Route, or remove partners who no longer fit how you work. They are never notified.
Your borrowers are too valuable to hand off blindly.
See which agents call your buyers fast and send business back, and send your next buyer there.
Build Your Trusted Partner ListSee how a loan officer's Referral Desk keeps every buyer moving.
Preview a workflow built around the agents who send you buyers, fast first contact, and status both sides can see.
See your own speed to first contact.
Insights shows how fast you reach the clients partners send you, who you complete the most handoffs with, and how your referrals turn out.
- Your speed-to-lead trend, week by week
- Partner leaderboard ranked by completed handoffs
- Close rate and outcomes at a glance
Running a lending team? Share one queue.
On Brokerage Free, Brokerage, and Enterprise plans, a team shares one Team Referral Queue for internal handoffs: any available loan officer can claim a referral, or you can assign it when you post it. Paid Brokerage and Enterprise plans can auto-assign by line of business and add a team line partners can call.
Shared team visibility
Keep referrals visible to the whole team instead of buried in one loan officer's phone or inbox.
Claim or assign
Loan officers can claim a handoff, or admins can assign it to the right person.
Timelines up front
Each referral carries its timeline, so the team sees what to take first.
Faster first contact
The whole team hears about a new referral at once instead of waiting on one person.
Solo loan officer today. Ready for a team when you grow.
Start with an individual account, invite your trusted agents and insurance partners, and manage your own referral handoffs. Lending teams and branches can move to a multi-user team account (starting free with Brokerage Free) with admin controls, a team leaderboard, and, on paid team plans, Team Reports plus weekly and monthly team reports by email.
Individual accounts
Free, Pro, and Pro Max are for one loan officer who wants cleaner handoffs with agents and insurance partners, and the status of every referral.
Team accounts
Brokerage Free, Brokerage, and Enterprise are built for lending teams, branches, and brokerages that need multiple users, a shared Team Referral Queue, and team-level reporting: Team Reports with CSV export, and a weekly digest and monthly report by email on Brokerage and Enterprise.
Send every referral straight into your CRM.
Connect once with Zapier and new referrals land in HubSpot, Salesforce, Zoho, Pipedrive and the other CRMs and spreadsheets on the list, on their own: name, phone, email, type and notes, with a link back to the handoff. A voice guide walks you through every click in about 10 minutes.
Simple monthly plans for loan officers.
Every plan, free ones included, lets you invite partners and send referrals. Free, Pro, and Pro Max are individual accounts (1 user). Brokerage Free, Brokerage, and Enterprise are multi-user team accounts, for lending teams too.
Common questions from loan officers.
Start with the agents you already trust.
Bring the agents and insurance pros you already work with into one organized referral workflow, and find verified new partners in the Partner Network when you need them.
Refervia
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Log in to manage your referrals and track status.
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For paid plans, click here.