Welcome to The Fund. Before we open the door to showings, we get you fully pre-approved — the same underwriting process a loan officer runs, streamlined into one page. Upload each item below; SONO reviews documents within minutes and flags anything a human underwriter needs to see. Complete all required items to unlock The Find.
Document Review & Approval 0 of 8 approved▾
Pre-approval progress
In Progress
SONO Mortgage Affordability Calculator updates live▾
Your Numbers
Car loans, student loans, credit cards, child support, etc.
What It Looks Like
Estimated total monthly payment
$0
Loan amount$0
Principal & interest$0
Property tax$0
Home insurance$0
PMI $0
HOA / fees$0
Total housing payment$0
Front-end DTI · housing—
0%Target ≤ 28%
Back-end DTI · all debt—
0%Target ≤ 36% · max ~43%
✓ Pre-Approved Estimate
You're approved to shop up to
$0
Estimated from a 36% back-end DTI at your inputs. Every home in The Find is checked against this number live.
The Find. SONO curates homes matched to your pre-approval, priorities, and behavior. Escalate a home you like into the pipeline: Review → Showing → Offer. Each stage shows exactly what an action costs in credits before you commit. In-person showings and human deal reviews are the paid tiers — spend them where it counts.
Curated For You ▾
Escalated Pipeline · Review → Showing → Offer ▾
Recently Closed / Passed ▾
The Close. Everything from accepted offer to keys-in-hand: escrow milestones, every official form (C.A.R. in California — the correct state association forms elsewhere) with plain-English explanations, and e-signatures in one place. SONO prepares; a licensed human reviews and countersigns where the law requires it.
Escrow & Transaction Timeline ▾
Documents & E-Signatures C.A.R. forms · plain-English explainers▾
How credits work. Your flat fee is $5,000, delivered as 5,000 SONO Credits — you'll never see dollar signs on services again. Everything the AI does is included free — searching, document review, form prep, unlimited SONO conversations. Credits are only spent when a human steps in or heavy resources are used. Unused value works in your favor: any commission SONO receives beyond your fee is returned to you at closing as cash back, closing-cost credits, or a price reduction — and if you run over, overages are reimbursed first out of that commission before anything else. Need more before close? Refill packages are available pay-as-you-go.
