Home Loan Engagement Platform · Open API · Webhooks

Plug Milo into your stack. Not on top of it.

Milo is a home loan engagement platform that plugs into what you already run. Its open API, real-time webhooks, and native CRM integrations push retention data directly into the systems your LOs already live in, so your stack stays your stack, and there's no new adoption for anyone.

Open REST API

Real-time webhooks

Native CRM integrations

CRM → Milo

Milo → CRM

Integration · Bidirectional

14,287 events synced daily

Total Expert

CRM · primary

CRM

Salesforce

via API · LO & clients

CRM

nCino

POS · pre-populate app

POS

Relcu

CRM · contact center

CRM

Milo Core

⚡

value_report.ready

webhook · scheduled cadence

HOOK

⚡

client.engagement

webhook · real time

HOOK

✉

email_deployment.update

webhook · opens, clicks, bounces

HOOK

⚡

equity.threshold

webhook · trigger event

HOOK

Event Stream

Bidirectional by Design

Data flows both ways.
Implementation takes minutes, not months.

Automate as much or as little as you want. Everything is documented and distilled down to its simplest form to get you up to top speed as quickly as possible.

STEP 01

Configure Webhooks

Get real-time webhooks with underlying data when reports are generated or when clients engage deeply.

STEP 02

Create Loan Officers

Push your LO roster into Milo via the API. NMLS #, name, email, branding. Clients attach to LOs by NMLS.

STEP 03

Create Lender Clients

Push past clients in, assigned to the right LO by NMLS. Full client record with property, loan, and contact attributes.

STEP 04

Deploy Your Reports

Milo supports both native sending and sending via your CRM. You control the creative and timing, we supply the backbone.

Webhooks

Real Time Webhooks to Enrich Client Data & Trigger Workflows

Every webhook is a clean JSON envelope with an event_type, a client identifier (crm_id), enriched property and loan attributes, and the data your CRM needs to fire the next action.

Report Ready webhooks on a scheduled cadence: typically ~15% of database, 2x/week, spread across the month

Client Interaction webhooks fire in real time across every Tier 1–4 intent signal

Email Activity webhooks which report on opens, clicks, and bounces

value_report.ready
POST /api/v1/clients
email_deployment.update

// POST from Milo to your CRM webhook endpoint
{
  "event_type": "value_report.ready",
  "data": {
    "crm_id": "te_91842",
    "subject_property_street": "40 Wishing Well Ln",
    "subject_property_city": "Rexford",
    "subject_property_state": "NY",
    "subject_property_zip": "12148",
    "report_status": "1",
    "report_url": "https://summit.opentotheoffer.com/r/abc",
    "loan_officer_nmls_#": 142819,
    "mortgage_ending_balance": 391579,
    "avm_value": 926915,
    "available_equity": 535336,
    "revised_ltv": 0.422,
    "pmms_today": 6.18,
    "pmms": 7.04,
    "pmms_rate_differential": -0.86,
    "last_report_generated": "2026-05-06T14:22:18Z",
    "created_at": "2026-05-06T14:22:21Z"
  }
}
        

// Push a borrower into Milo, assigned to an existing LO
POST https://app.opentotheoffer.com/api/v1/clients
Authorization: Bearer <your_api_key>
Content-Type: application/json

{
  "crm_id": "te_91842",
  "loan_officer_nmls_#": 142819,
  "first_name": "Sarah",
  "last_name": "Mitchell",
  "email": "sarah@example.com",
  "subject_property_street": "40 Wishing Well Ln",
  "subject_property_city": "Rexford",
  "subject_property_state": "NY",
  "subject_property_zip": "12148",
  "original_loan_amount": 425000,
  "current_balance": 391579,
  "interest_rate": 7.04,
  "loan_type": "conventional"
}
        

// Fired when an email is deployed, opened, clicked, or bounces from our system
{
  :event_type => "email_deployment.update",
  :data => {
    :crm_id => "25319-55954928",
    :created_at => Wed, 13 May 2026 12:17:45.270853000 UTC +00:00,
    :email_type => "monthly_update_value_changed",
    :email_status => "opened",
    :email => "barry.smith@gmail.com",
    :phone => 223.223.2233
  }
}
        

The Four Integration Components

A complete CRM integration
in four moving parts.

Milo → CRM

1. Webhooks

Milo posts events to your CRM endpoint. Three options: scheduled report-ready hooks, real-time client engagement hooks, and email deployment hooks that keep you in the know about every client in your database.

value_report.ready, fires on scheduled cadence with full enriched report payload

client.engagement, fires across all 40+ tracked intent signals in real time

email_deployment.update: fires on opens, clicks, and bounces from every email sent

CRM → Milo

2. Open API

REST API to push LOs and clients into Milo. Bearer-token auth for modernized security, full documentation, and a library of endpoints to take full control of your clients' post-close experience.

Create / update Loan Officers first, clients attach to existing LOs by NMLS

Create / update Lender Clients with contact, property, and loan data

Full reference: app.opentotheoffer.com/api_documentation

Sent from CRM

3. Email & SMS Deployments

Reports go out from your CRM using Milo-provided HTML: keeping deliverability, branding, and compliance fully in your hands.

First-month onboarding journey + monthly Home Value Report journey

Optional SMS & reminder cadences to lift opens further

Only fire when report_status = "Ready", hold or review for statuses like Revised LTV Out of Range or Negative Equity

In CRM

4. Work Queues & Segments

Milo signals power CRM work queues that prioritize your database by intent so LOs always work the highest-value clients first.

Tier 1–2 hot & warm engagements (call now)

Tier 3–4 nurture queues (warming up & top of funnel)

IntentIQ triggers: PMI removal · rate reduction · ARM adjustment · loan anniversary

Event Catalog

More than 40 events to enrich your data
& supercharge your outreach.

Milo tracks more than 40 intent signals across the Home Value Report, Home Search, and IntentIQ monitoring layer. Each mapped to a tier so your CRM knows exactly how to prioritize.

Event & Source

What it means

Tier

Cash-Out Refi Requested
Home Value Report

Client requested info about a cash-out refinance from their Unlock Equity page

T1 🔥

Application Started
Home Value Report

Client clicked Start Application from the payment comparison section

T1 🔥

Prequal Requested
Home Search

Client requested a pre-qualification from the branded home search

T1 🔥

Property Listed for Sale
IntentIQ

Client's home was just listed for sale, immediate buy-side opportunity

T1 🔥

Equity Unlock Clicked
Home Value Report

Client clicked Unlock Equity, signals interest in cash-out or selling

Home Saved
Home Search

Client saved a specific home on the branded home search site

Rate Reduction Opportunity
IntentIQ

Market rates have moved enough to create a refi opportunity for this client

PMI Removal Eligible
IntentIQ

Client's LTV has dropped enough to remove private mortgage insurance

ARM Adjustment Upcoming
IntentIQ

Client's adjustable-rate mortgage is approaching its next rate reset

Report Visited Frequently
Home Value Report

Client visited their Home Value Report 3+ times this month

Loan Information Edited
Home Value Report

Client edited loan info: balance, rate, or loan amount

To view all 40+ signals, 20+ report-status codes, and CRM data-enrichment fields, schedule a demo with our team.

Plug Milo into your stack. Not on top of it.

Engineer the perfect post-close experience.Live in days. Branded forever.

Engineer the perfect post-close experience.
Live in days. Branded forever.