The one employee
you’ll never have to replace.
REO is chaos by nature — files, utilities, vendors, reimbursements, the numbers, all moving at once, usually at the worst time. Marge doesn’t burn out, quit, or need retraining. She catches what’s moving and acts on it — and gives you back the one thing no hire ever could: room to breathe.
Assignments, utilities, contractor bids, repairs, rehabs, field inspections, marketing, buyer agents, offers, closings, listings, vendors, reimbursements, TC, evictions and non-stop emails — one Hub.
Marge, your AI agent, runs the connective tissue between all of it.
- •Files & Assignments
- •Inspections, Repairs & Rehabs
- •Vendors & Bids
- •Listings & Marketing
- •Buyer Agents, Offers & Reimbursements
- •TC & Communications
- •Everything in CI: Know Your Numbers
- •Reimbursement Hub
- •Vendor Management
- •Bid Management
- •Offer Management (beta)
- •Full file lifecycle — assignment through disposition
- •Everything in Solo Broker
- •Multi-seat — every team member gets their own login, not a shared password
- •Role routing — work gets assigned to the right person on your team automatically, not just to you
- •SLA / priority support — faster response when your whole team is depending on it
Per-file cost picture — built on your own numbers, sharpens as you use it.
Informational only, not financial advice. AI can make mistakes — you are the final check.
The offer gets accepted. Here’s what happens before you even open your inbox.
The acceptance notice lands. Marge catches it — no forwarding, no copy-paste, no chasing down the separate emails it usually comes in.
She pulls the file together: the contract package, the title company info, everything that needs to be in one place.
She checks every utility’s accounted for — on, off, inspected, documented. If something’s missing, she doesn’t guess. She stops and tells you exactly what’s needed and from whom.
The draft lands in your own inbox, ready to review. She never sends it. You do.
Runs automatically once connected to your cloud and email.
This is one moment in one file. She runs this same kind of follow-through across every step of the transaction — not just this one.
Stop losing your weekend to the pile.
- •Reads every invoice, receipt, and photo herself — no manual entry.
- •Audits the photo addendum automatically before it goes out.
- •Fills the client's reimbursement form, exactly as they need it.
- •Tracks every open package and flags what's aging in real time.
- •Surfaces the float cost meter — what aging is actually costing you while you wait to get paid.
- •Keeps a searchable historical record of every package you've ever submitted.
Real dollars, not hand-wave numbers. Bundle in CI: Know Your Numbers and watch it climb even higher.
Based on 50 files per year at a $24.40/hr bookkeeper rate. This is what it would cost you to pay someone to do it — not what your own time as the REO Broker is worth.
Know your true cost per file.
- •See which parts of your book land above your break-even — and which land below it.
- •Find out if more files actually fix your margin — the answer isn't always yes.
- •Walk the Margin Map: 26 places inside your own operation where your margin actually moves.
- •Find out what your own labor actually costs at replacement rate.
- •Find out how much your overhead is quietly costing you per file.
Built on your own numbers — sharpens as you use it. Informational only, not financial advice.
Compliant photo addenda in minutes, not hours.
- •Capture from the field — your phone, on-site, in real time.
- •AI sorts, labels, and arranges every photo to the client's required format.
- •Auto-audits the addendum before it goes out — missing rooms, blurry shots, wrong room labels.
- •Drops a clean, client-ready PDF in your hands — ready to send or attach to a reimbursement package.
Also available standalone — without the full TrueFile™ stack.
TrueFile™ is the operational and financial intelligence platform built for REO brokers — automating the work between the platforms, revealing the true cost of every file, and giving every broker the clarity to run their division with confidence.
Start anywhere — go at your pace
Path A · Free
Try her on 3 real files
Up to 90 days. No card up front. Look at your own numbers before you decide a thing.
Start freePath B · Just one module
Start with the piece you need
Reimbursement Hub, CI: Know Your Numbers, or Photo Processor — each one runs on its own. Add the rest when you’re ready.
See module pricingThree things Marge quietly fixes — in week one.
The reimbursement pile. The patchwork tracker. And the question your P&L has never been able to answer.
The reimbursement pile
Vendor invoices, receipts, photos, the client’s reimbursement form — every one different. Marge OCRs every page, audits the photo addendum, fills the right form, and hands you a clean package in minutes. Faster packages mean faster reimbursements — and lower holding costs on every file. We track your package aging so you always know what’s outstanding and what’s still in the pipeline.
The patchwork tracker
Property records, TC checklist, Critical Dates, utility status, listings, bids — one place built for REO files, not a generic to-do app. Replaces the spreadsheet-plus-project-tracker stack you’ve been stitching together. Your staff stops tasking the tasks and starts doing actual work — less admin burnout, fewer things slipping through.
The number your P&L can’t show you
True cost per file — labor at replacement cost, float on what you fronted, splits in the right bucket. Then Marge walks you through the Margin Map: 26 places inside your own operation where your margin has room to improve.
One agent. Across every tool.
Marge isn’t a chatbot bolted onto a dashboard. She’s the connective tissue between your Hub, your reimbursement packages, and your cost model. Ask her anything — about a property, an AM, a file, a number — and she answers from your real data.
She tells you what a number means, where it came from, and what your options look like — without pretending to be your accountant.
What brokers are saying
Your bench, when you need it.
No more cold-calling for a roofer at 4pm on a Friday. Search vetted vendors by property and trade — one profile, compliance docs on file, your bench your rules.
The network is in early launch — it builds as brokers join. Get in now and help shape the bench in your market.
See the vendor networkEvery REO broker has the same quiet moment. Usually late. Usually right after a brutal file finally closes. And we all ask the same thing: what did I actually make on that one? Or worse — what am I even doing this for?
Not the commission. The real number. After the hours. After the money you fronted. After every dollar you chased, swallowed, or forgot to bill back.
Most of us never run that number. Nobody ever handed us a tool that could.
REO brokers don’t burn out from the work. We burn out from working this hard without ever knowing if the math is on our side.
You’re not bad at business. A regular P&L was never built for REO. The labor, the float, the hold time, the overhead — none of it lands where it should. So none of it shows up when you look at the numbers.
So you take more files. You push volume. You tell yourself scale will fix the margin. Sometimes it does. Usually it doesn’t. And without the real numbers in front of you, there’s no way to tell which one you’re in until you’re already in it.
What you can stop paying for
The reimbursement pile
Vendor invoices. Receipts. Photos. The client’s reimbursement form — every client uses a different one, with different fields and quirks. Marge reads it all, audits the photos, fills the right form, and hands you a package ready to send. We even track your carry costs.
That cost spreadsheet
The one your CPA built. Or the one you built at 11pm with two coffees. Solid on day one, off by month three. Done.
The patchwork project tracker
Property record, TC checklist, critical dates, utility status — one place, built for REO files, not a generic to-do app. And stop the staff burnout by trying to task the tasks.
Three ways in. All of them free to try.
You don’t have to swallow the whole platform on day one. Pick the door that matches the fire you’re fighting this week.
Start with reimbursements
Drag in the invoices and photos from a file you’re packaging this week. Marge OCRs every page, creates and audits the photo addendum, fills the AM form, and hands you a finished PDF. Fastest proof she does the work.
Start with the Hub
Import your active assignments. Property records, TC checklist, Critical Dates, utilities, listings, and bids all populate. Replaces the spreadsheet-plus-project-tracker patchwork in an afternoon.
Start with the numbers
Run the cost wizard once (30–45 min guided, 60–90 by hand), then drop in your quarterly P&L after for updates in seconds. Marge auto-maps your QuickBooks export and keeps the model honest all year.
Just need the photo processor?
Upload your field photos. Marge generates a compliant, client-ready photo addendum in minutes — no reformatting, no manual sorting. Runs on its own, no other module required. Fastest win on the platform.
See your numbers first. Decide after.
Run the wizard free. Look at what comes out. Then decide if it’s worth a dollar to you.
Free on 3 real files, up to 90 days. No card up front. Pick one early-stage, one mid-cycle, one near-close — and watch the full lifecycle play out before you spend a thing.
Pick a plan when you’re ready: Reimbursement Hub from $89/mo, CI: Know Your Numbers from $59/mo, or the full stack from $149/mo.
Free trial · 3 real files · up to 90 days · no card up front · cancel anytime
Two easy ways to start
Path A · Free
Try her on 3 real files
Up to 90 days. No card up front. Look at your own numbers before you decide a thing.
Start freePath B · Just one module
Start with the piece you need
Reimbursement Hub, CI: Know Your Numbers, or Photo Processor — each one runs on its own. Add the rest when you’re ready.
See module pricingGot a question about TrueFile™?
Send a note — I read these myself and come back within a business day.
Your numbers stay yours. TrueFile does not coordinate, suggest, or share pricing between users. All pricing decisions remain solely yours.
Your numbers. Your model. Your decisions.