Is there a free trial?

Yes — every new account gets a 7-day Ezra AI trial, no credit card required. You get full access to Ezra AI, quote tools, and CRM sync during the trial.

Do I need to bring my own API keys for AI features?

For standard Ezra AI features, no — Above All CRM provides the AI infrastructure. For advanced voice cloning (ElevenLabs) and AI video avatars (HeyGen), you bring your own API keys at the Enterprise tier.

Does Above All CRM work with GoHighLevel and Bonzo?

Yes. Above All CRM natively syncs leads to both GoHighLevel and Bonzo via API. When a client opens a quote, fills out a form, or triggers an event, the contact is created or updated in your CRM automatically.

Can I cancel or downgrade at any time?

Yes. There are no long-term contracts. You can upgrade, downgrade, or cancel your subscription at any time from your account settings.

What types of loans does the quote builder support?

Above All CRM supports HELOC (Home Equity Line of Credit), HEL (Home Equity Loan) with 3-option comparison, and side-by-side refinance analysis. DSCR investor loan tools are available via Ezra AI.

Ezra · Agentic AI for Loan Officers

Meet Ezra —
The AI Agent That Closes More Loans

Say it in plain English. Ezra parses credit reports, builds your HELOC quote, creates a trackable link, and syncs everything to Bonzo and GHL — in seconds.

See Ezra in Action Start Free Trial

Ezra · AI Agent · Always On

Credit Report Parser Upload a PDF. Ezra extracts scores, debts, and DTI instantly.

AI Quote Builder One sentence. Ezra fills the entire quote form via tool call.

CRM Auto-Sync Quote + contact pushed to Bonzo and GHL automatically.

The Direct Contrast

How Do You Look to Your Borrowers?
The Old Way vs. The Carbon Way

Your client is about to borrow six figures. Don't send them a boring rate sheet. Show them a premium proposal that sells itself.

The Competitor's Quote

Ugly Rate Sheets & Excel Printouts

Typical loan officers drop an unformatted rate sheet, a messy PDF printout, or a complicated Excel grid into their client's inbox.

✗ Easily Shopped: Looks like a generic bank quote, encouraging the borrower to check other lenders.

✗ Static Math: The client can't adjust the loan size, calculate savings, or play with different terms.

✗ No Video/AI: Left to decipher mortgage jargon themselves, resulting in confusion and drop-off.

✗ Ghosting: 0% automated follow-up. The quote goes cold, and you have to manually chase them.

--- LOAN SCENARIO CALCULATION ---

HELOC OPTION 1: 8.990% APR (Fixed 20-Yr)

EST. PAYMENT: $915.22/mo + FEES FINANCED

*See attached PDF rate_sheet_v3_draft.pdf

---------------------------------

The Carbon Proposal

Cinematic, Interactive Mobile Portals

Carbon users send a secure, personalized link that presents the HELOC quote like a high-end private banking proposal.

✓ Cinematic Storytelling: Shows a personalized video walking through their cash out and rate options.

✓ Interactive Calculators: Borrowers can slide and recalculate savings, terms, and debt consolidation in real-time.

✓ 24/7 Ezra AI Assistant: Objections are handled on-page automatically by Ezra, trained on mortgage rules.

✓ Auto-Nudges: Connected CRM workflow auto-sends personalized Day 1/3/7 reminders via SMS & Email.

⚡ Video Quote

Your borrower gets a
cinematic quote
on their phone.

No PDFs. No confusion. A personalized animated video — their cash amount, rate options, and a gold "Tap to Schedule" button. You generate it in 30 seconds, they tap play on their phone.

✓ Personalized with client name, cash amount & rate options
✓ Debt payoff story — shows savings vs. old monthly payments
✓ AI narration in your voice via ElevenLabs (Pro & Enterprise)
✓ Pulsing gold CTA at the end — one tap to schedule a call

Get Started →

Ezra parsed the credit report, built the quote, and synced to Bonzo before I could open a spreadsheet. Completely different way to work.

Ricardo M.Senior LO · 14-State Territory

I sent the trackable link and Ezra told me exactly when the borrower opened it. I called them 3 minutes later. Closed the deal that afternoon.

Jennifer K.Mortgage Broker · Texas

My clients get answered by Ezra at 11pm. By the time I wake up, they've already decided which option they want. The 24/7 AI on the quote page is a game-changer.

David L.Loan Officer · California

Actual Quote Output

This is the quote page your LO can send today.

Carbon turns borrower details into a branded HELOC proposal with rate tiers, payment strategy, debt payoff context, disclosures, lender info, and a client-facing next step.

$200K Sample HELOC line amount shown with valuation and CLTV.

8.24% Recommended fixed option highlighted inside the quote matrix.

$1,468 Borrower-ready payment snapshot with fees and term context.

Ezra is agentic, not just a chat bubble. Workflow Active

Reads the quote context Ezra knows the borrower name, amount, CLTV, rate, payment, tier, and payoff story.

Chooses the next best explanation It can explain rate options, debt consolidation, fee tradeoffs, and why the recommended tier fits.

Moves the deal forward It prepares follow-up language, nudges the borrower, captures intent, and routes clean action back to the LO.

Actual Above All CRM client-facing HELOC quote page — rate options, payment breakdown, Ezra AI chat, and compliance footer

Borrower sees Rates, payments, fees, and recommendation. No spreadsheet. No PDF. A polished, branded proposal they can act on from any device.

LO gets A quote that sells the next conversation. Ezra AI answers objections 24/7 — so even while you sleep, the deal keeps moving.

How It Works

From Lead to Close in 4 Simple Steps

No spreadsheets, no guesswork. Build a professional HELOC proposal in under a minute.

Enter Client Info

Paste a lead or type in credit score, home value, and mortgage balance. Auto-fill from Bonzo or email.

Generate Proposal

Instantly see a full rate matrix across tiers and terms. Pick the best option with one click.

Analyze & Compare

Run debt consolidation, refi comparisons, and break-even analysis to show real savings.

Send & Close

Export to PDF, share via email, or push to your CRM. Your client gets a branded proposal that sells.

What Ezra Does

Six Capabilities.
One Conversation.

Every tool Ezra uses maps to a real action in your deal pipeline — triggered by natural language.

📄

Credit Report Parser

Drag a PDF or paste an image. Ezra extracts EQ / TU / EX scores, monthly debts, and DTI via a multi-model AI cascade in under 8 seconds.

"Parse this credit report for Lisa Chen."

718

724

711

⚡

AI Quote Builder

One sentence. Ezra calls set_quote_fields and fills every input — home value, mortgage balance, line amount, rate — instantly.

"Build a HELOC quote for $750k home, $420k first, $120k line."

🔗

Trackable Share Links

Ezra generates a branded short link with real-time click analytics per borrower. Know the moment they opened your quote — call them then.

"Create the share link for the Johnson quote."

go.aboveallcrm.com/jhn-7k2x 47 views

🔄

Bonzo + GHL Sync & AI Nudges

Ezra pushes contact data, quote details, and custom tags into both CRMs, instantly triggering auto-nudge SMS and email campaigns to follow up and onboard clients 24/7.

"Sync to Bonzo and trigger follow-up campaign."

Bonzo — Trigger AI Nudge✓ Active

GHL — Auto-Email Campaign✓ Fired

🎯

Sales Coaching

Ezra handles objections, writes client scripts, narrates the quote rationale, and drafts follow-up messages — tailored to the specific deal and borrower.

"Handle the rate objection for this quote."

handle_objection · "rate feels high"

draft_message · 48hr follow-up

🌐

Client-Facing AI (24/7)

A dedicated Ezra lives on your client's public quote page. It answers questions in English and Spanish, explains rate options, and captures intent — while you sleep.

Borrower: "What's the difference between Option A and B?"

Ezra is online · En/ES · Always ready

Interactive Playground

See how fast Ezra
reads credit reports

Drag and drop a sample credit report PDF, or click below to simulate the AI extraction. In 8 seconds, Ezra pulls DTI metrics, liabilities, and loan data.

📄

Click to Simulate Credit PDF Ingestion

Simulates uploading standard Fannie Mae 1003 / Credit Report

Reading File...

📊

Waiting for Upload

Trigger the parser sandbox on the left to see Ezra extract liabilities, mortgage balances, and credit scores in real-time.

Parsed Credit Summary Score: 740 (Elite)

Subject Property Value

$850,000

1st Mortgage Balance

$420,000

Proposed HELOC Cash Out

$125,000

Calculated DTI

36.2% (-12%)

Extracted Monthly Liabilities (consolidated):

Auto Loan (Chase Auto) $19,200 @ $418/mo

Credit Card (Amex Gold) $13,800 @ $276/mo

Personal Loan (SoFi) $9,400 @ $212/mo

🎉

Consolidation Savings Alert

Consolidating Chase and Amex saves $694/mo in monthly payments.

Pro Exclusive

Most Leads Go Cold
In 47 Minutes.

You send the quote, then life gets busy. Carbon doesn't. Two Pro features that keep working while you're on another call — so no lead goes cold and no open goes unnoticed.

👁️

Quote-Open Alert

Real-Time · Pro Only

The moment your client opens their quote link, you get a real-time notification. Call them while they're still reading — before another LO picks up. Peak interest has a 15-minute window.

Live alert

📲

Johnson opened your quote

go.aboveallcrm.com/jhn-7k2x · just now

Call Now →

🔔

Auto Nudges

Day 1 / 3 / 7 · Pro Only

Send the quote, walk away. Carbon triggers custom auto-nudge campaigns inside your connected GoHighLevel or Bonzo accounts to automatically follow up on Day 1, Day 3, and Day 7 via SMS and Email to get clients on board.

Day 1 · "Hey, just wanted to make sure you got your quote — any questions?"

Day 3 · "Rates moved this week — let's lock in before they shift again."

Day 7 · "Last check-in — your HELOC approval is still available. Ready when you are."

GoHighLevel Auto-SMS Bonzo Email Nudge

Both features activate automatically the moment you send a quote on Pro — zero extra steps.

Enterprise Exclusive

The Quote That Gets
a Response Every Time

Most LOs send a PDF and pray. Enterprise LOs send a personalized AI video — borrower's name, their exact numbers, your voice and face. No recording sessions. No editing. Auto-generated on every quote.

No other LO in your market is doing this.

🎬

Their Name. Their Numbers. Your Face.

Every quote auto-generates a cinematic AI video that speaks directly to the borrower — rate, payment, debt payoff math, and a personalized call to action. Your HeyGen avatar does the talking.

🎤

Your Cloned Voice. Forever.

Record 60 seconds with ElevenLabs, paste your Voice ID into Carbon — and your voice narrates every future video automatically. Set it once. Never record again.

📲

Watch Alerts + Auto Nudge on Video Plays

Get notified the moment a borrower hits play. If they watch but don't respond, Carbon auto-nudges them on Day 1, 3, and 7 — so no lead goes cold after seeing your video.

🔌

Bring Your Own Keys — Keep Your Costs

You own your HeyGen avatar and ElevenLabs voice. Carbon connects them. No per-video markup from us — you pay the AI providers directly (~$0.10–$0.30/video).

Live Demo

Above All CRM video quote — AI-narrated cinematic reel with borrower name, rate, payment, and animated call-to-action

▶

Watch a Live Video Quote

heloc.aboveallcrm.com/video-quote · ↗

Every Client. Every Format.

Six Quote Styles.
One Tool.

Match the presentation to the client — from a quick numbers-only link to a cinematic AI video with your cloned voice. All generated in seconds.

HELOC quote with rate matrix loaded — clean rate table showing fixed, variable, and interest-only options

Live Preview ➔

Original

Clean rate table, no extras. Maximum trust, minimum friction — ideal for warm referrals who are ready to move.

Starter

Live Preview ➔

Minimal

Just the numbers — rate, payment, term. Zero distractions. Best for text, DM, or clients who already said yes and just need the link.

Pro

Live Preview ➔

Enhanced

Full sales psychology — savings, break-even, debt consolidation, and 24/7 Ezra AI chat on the page. Converts like a landing page.

Pro

Live Preview ➔

Compare

3-tier card view with a built-in "How to choose" guide. Helps clients decide confidently — fewer "let me think about it" stalls.

Pro

Live Preview ➔

Home Equity Loan

3 fixed-rate options imported from Rocket Pro — Option A/B/C with rate, monthly payment, and closing costs. Clean HEL comparison, one click.

Pro

AI video quote playing — cinematic animated reel with borrower's numbers, LO branding, and cloned voice narration

▶

Live Preview ➔

Video Reel

Cinematic animated quote video — your branding, your cloned voice, their exact numbers. No other LO in your market is doing this.

Enterprise

Two Product Types

HELOC or Home Equity Loan.
Ezra Builds Both.

🔄

HELOC

Revolving line of credit with a draw period. Full rate matrix — fixed, variable, and interest-only options. Side-by-side tier comparison, debt consolidation math, break-even analysis, and 24/7 Ezra AI on the client page.

Draw Period Variable Rates Interest Only Figure · NFTYDoor · Spring EQ

🏦

Home Equity Loan (HEL)

Closed-end lump sum at a fixed rate. Paste 3 pricing options from Rocket Pro, pick the origination fee — Ezra fills the full quote card for each option and presents the client a clean A/B/C comparison with closing costs included.

Fixed Rate Lump Sum 3-Option View Rocket Pro · Spring EQ

Calculated Value

What's Your Commission Worth?
See the ROI of Using Carbon

Calculate your return on investment. Adjust the sliders below to see how a single extra loan per month changes your bottom line.

Average Loan Size $300,000

Your Origination Fee 2.0%

Extra Loans Closed / Month 1 Loan

Additional Monthly Income

+$6,000

Based on closing just 1 extra loan(s) per month using Carbon.

🚀 33.5x Return on Investment

Carbon Pro: $179/mo · Starter: $79/mo

Simple Pricing

Choose Your Power Level

Every tier pays for itself with a single deal. Pick your plan and start closing today.

Monthly

Annual Save 20%

Starter

Professional Quotes in Seconds

$79

per month

HELOC quoting + CRM sync + Client Quote Pages. 7-day Ezra AI trial included — no card required.

Start Free Trial

✓ HELOC Quote Builder (3-Tier)
✓ CRM Auto-Sync (Bonzo, GHL, FUB)
✓ Client Quote Pages + Engagement Tracking
✓ Debt Consolidation & Break-Even
✓ PDF, Screenshot & HTML Email
✓ LO Profile & Branding
✓ URL Shortener & Address Autocomplete

See Exactly What's Included

Feature	Starter $79/mo	Pro $179/mo	Enterprise $497/mo
Core Proposal Tools
HELOC Quote Builder (Full Rate Matrix)	✓	✓	✓
Home Equity Loan (HEL) 3-Option Quotes	—	✓	✓
PDF Export, Screenshot & HTML Email	✓	✓	✓
LO Profile & Branding	✓	✓	✓
URL Shortener & Address Autocomplete	✓	✓	✓
Cloud Sync & Saved Quotes	✓	✓	✓
Analysis & Strategy
Debt Consolidation Analysis	✓	✓	✓
Break-Even Analysis	✓	✓	✓
Refi Architect (Side-by-Side)	—	✓	✓
Lender Parser (Figure · NFTYDoor · Rocket Pro · Spring EQ)	—	✓	✓
CRM & Integrations
CRM Auto-Sync (Bonzo, GHL, FUB)	✓	✓	✓
Client Quote Pages + Engagement Tracking	✓	✓	✓
Outbound Webhooks	—	✓	✓
n8n Workflow Automation	—	—	✓
Leads & AI
Leads Pipeline	—	✓	✓
Ezra AI Co-Pilot (50/day)	—	✓	✓
Voice Input — Talk to Ezra	—	✓	✓
Unlimited Ezra AI + Custom Prompts	—	—	✓
AI Video Quotes (HeyGen)	—	—	✓
Voice Cloning (ElevenLabs API)	—	—	✓
Enterprise & Branding
White Label — Your Logo & Custom Domain	—	—	✓
5 Team Seats (+$49/seat)	—	—	✓
Priority Support (<4hr)	—	—	✓
All Future Features Included	—	—	✓

Questions

Frequently Asked

Everything you need to know before getting started.

Yes. Changes take effect immediately. When you upgrade, you get instant access to new features. If you downgrade, you keep access until the end of your billing cycle.

Yes! Every new account gets a 7-day Ezra AI trial — full access to Leads Pipeline, Outbound Webhooks, and Ezra AI co-pilot. No credit card required. After 7 days you keep everything in Starter (CRM sync, Client Quote Pages, Debt Consolidation) automatically.

When you choose annual billing, you save 20% compared to monthly pricing. You're billed once per year upfront. You can switch between monthly and annual at any time.

For standard Ezra AI, no — Above All CRM provides the AI infrastructure on every plan. For advanced voice cloning (ElevenLabs) and AI video avatars (HeyGen), you bring your own API keys at the Enterprise tier. All AI providers and custom prompt tuning are available on Pro and above.

Absolutely! The Enterprise tier includes up to 5 team seats, white-label branding with a custom domain, and team management. Contact us for custom team pricing and volume discounts beyond that.

We natively support Bonzo, GoHighLevel (GHL), and Follow Up Boss. Starter includes lead import and GHL sending. Pro adds full two-way sync with Bonzo and FUB. Enterprise unlocks n8n automation for connecting 400+ additional apps and custom webhook routing.

Yes. All data is encrypted in transit and at rest. We use Supabase (built on Postgres) with row-level security. Your client data is yours — we never sell or share it.

Meet Ezra —
The AI Agent That Closes More Loans

Stop Typing. Start Closing.
Ezra Does the Work.

How Do You Look to Your Borrowers?
The Old Way vs. The Carbon Way

Ugly Rate Sheets & Excel Printouts

Cinematic, Interactive Mobile Portals

Your borrower gets a
cinematic quote
on their phone.

This is the quote page your LO can send today.

From Lead to Close in 4 Simple Steps

Enter Client Info

Generate Proposal

Analyze & Compare

Send & Close

Six Capabilities.
One Conversation.

See how fast Ezra
reads credit reports

Waiting for Upload

One Workflow.
Zero Manual Steps.

Most Leads Go Cold
In 47 Minutes.

The Quote That Gets
a Response Every Time

Six Quote Styles.
One Tool.

HELOC or Home Equity Loan.
Ezra Builds Both.

What's Your Commission Worth?
See the ROI of Using Carbon

Choose Your Power Level

See Exactly What's Included

Frequently Asked

Ready to Close More Deals?

Meet Ezra —The AI Agent That Closes More Loans

Stop Typing. Start Closing.Ezra Does the Work.

How Do You Look to Your Borrowers?The Old Way vs. The Carbon Way

Ugly Rate Sheets & Excel Printouts

Cinematic, Interactive Mobile Portals

Your borrower gets acinematic quoteon their phone.

This is the quote page your LO can send today.

From Lead to Close in 4 Simple Steps

Enter Client Info

Generate Proposal

Analyze & Compare

Send & Close

Six Capabilities.One Conversation.

See how fast Ezrareads credit reports

Waiting for Upload

One Workflow.Zero Manual Steps.

Most Leads Go ColdIn 47 Minutes.

The Quote That Getsa Response Every Time

Six Quote Styles.One Tool.

HELOC or Home Equity Loan.Ezra Builds Both.

What's Your Commission Worth?See the ROI of Using Carbon

Choose Your Power Level

See Exactly What's Included

Frequently Asked

Ready to Close More Deals?

Meet Ezra —
The AI Agent That Closes More Loans

Stop Typing. Start Closing.
Ezra Does the Work.

How Do You Look to Your Borrowers?
The Old Way vs. The Carbon Way

Your borrower gets a
cinematic quote
on their phone.

Six Capabilities.
One Conversation.

See how fast Ezra
reads credit reports

One Workflow.
Zero Manual Steps.

Most Leads Go Cold
In 47 Minutes.

The Quote That Gets
a Response Every Time

Six Quote Styles.
One Tool.

HELOC or Home Equity Loan.
Ezra Builds Both.

What's Your Commission Worth?
See the ROI of Using Carbon