PerfectLO is a cloud-based mortgage loan software that solves one of the biggest problems during the loan application process: failure to provide the detailed information to complete a borrower’s true profile. The founders of PerfectLO used their extensive industry knowledge to construct a detailed, interactive questionnaire that systematically and intelligently asks all the right questions while not triggering TRID. This software allows borrowers to complete the intuitive online interview at their convenience on any mobile device/desktop. The originator can also interview borrowers “Live” while following the systematic fool proof process. Based off the answers, the software builds a checklist of documentation that is now needed from the borrower. This process allows borrowers to remain informed and involved while educating and advancing them on to the next steps. PerfectLO also provides a summary of key information to loan originators and exports the results into their Loan Origination Software (LOS). The result is a simplified and streamlined mortgage loan process that leads to faster closings and more satisfied borrowers. No more inaccurate loan applications due to assumptions or inadequate fact-finding. No more unnecessary credit pulls or wasted time and money documenting loans that may be approved but will never close. No more missed questions that require additional documentation.