Frequently Asked Questions
How is all of this being offered free to brokers?
ARIVE is included as part of an AIME membership. Lenders and other third-party vendors offset the cost with their participation in the ARIVE Marketplace — after all, they want to be where the brokers are, so everybody wins.
Which lenders are part of ARIVE? Will more be joining?
ARIVE has been contacted by over 100 lenders that are excited to join the Lender Marketplace. We can’t tell you who all is on-board just yet, but we’ll publish the list before launch. After launch, we’ll continue to welcome other lenders to the platform.
Will we be able to send loans to lenders not yet on the ARIVE platform?
ARIVE is designed to be a fully-integrated experience with the goal of being a one-stop platform for the independent mortgage broker. Naturally, we'll keep the integration strategy aligned with this goal so we can make ARIVE a real game-changer. However, if you do need to send a loan to a lender who has not yet joined the platform, we offer the ability to export a 3.2 from the system.
Will ARIVE charge ancillary fees for things like DocSign, credit reports, or work numbers?
Your typical origination pass-through fees (such as credit reports) will flow through as is standard. Premium services may be added to the platform at a later time, and we’ll have costs clearly spelled out for those as they become available. No surprises.
Will there be a mobile app for LOs and borrowers?
The platform is designed with a responsive, mobile first architecture — we live on our phones just like you do. The full mobile experience is targeted for 2019.
Will ARIVE have an open API?
ARIVE won't have a fully open API. Why? Because we’re working hard to make sure ARIVE serves the community the best results in the most secure fashion. But we welcome partners that want to truly enhance the broker experience.
How much storage space will I need to run the ARIVE platform?
On your end? None. We have you covered. We utilize high-security cloud services and just run in your browser. No need to worry about client-side storage.
Will brokers be able to invite buyer and listing agents to receive loan updates?
Who are the folks behind all of this?
ARIVE was conceived by mortgage insiders. CEO Joseph Cicali and SVP of B2B Relationships Katie Sweeney boast nearly 25 years of mortgage and marketing knowledge between them, and both have experience with complex technical projects that truly serve brokers’ needs. And we’re very excited about our partnership with AIME.
WHY CAN WE ONLY CHOOSE ONE LENDER AT A TIME FOR NOW?
On Day One, we’re rolling out with a clean, clear interface to make sure our users get an easy-to-learn experience. This isn’t a technical limitation but rather a design preference. Once we’re live, we’ll be polling users on several features, this being one of them, to see what the broker community finds most useful.
WILL ARIVE OFFER MASS EMAILS AND THE ABILITY TO CREATE CUSTOM DRIP CAMPAIGNS?
Absolutely! Marketing is a major focus for us as ARIVE moves forward. We’re scoping out our marketing enhancements over the initial launch period to see which partners and what development will best serve the broker community.
WHO CAN USE ARIVE FOR FREE? WILL IT ALWAYS BE FREE?
ARIVE is complimentary with your AIME membership — and will remain free to use as long as you’re a member! There are some add-on premium features for which there will be a cost, but the core product will remain free exclusively for members of AIME.
DOES ARIVE HAVE AN INTEGRATED PHONE SERVICE?
ARIVEphone is a premium service built into the platform that provides a phone number, mobile forwarding, calling, texting, etc. Best of all, all of these messages can be tied to a lead record for total compliance and total peace of mind.
WILL ARIVE REDUCE OUR INTERACTION WITH LENDER-SPECIFIC SITES?
From Day One, you’ll be able to use ARIVE for lender pricing, registration, and broker disclosures. Our roadmap for the rest of the year includes locking, along with managing and submitting conditions. Lender disclosures are more complex; we’re looking into the process but don’t currently have an implementation plan. But there are more lender interactions cooking!
WILL LENDER PRICING BE AVAILABLE AT LAUNCH?
Absolutely! Pricing is in place, so all the lenders that have completed the integration will be available to price with — if you’re approved with them, of course.
HOW DOES ARIVE HANDLE MORTGAGE CALL COMPLIANCE REPORTING?
NMLS call reports are going to be available in ARIVE, but we’re still finalizing the process. We are working on rolling this feature out as quickly as we can, as we understand it is a critical function you all need!
WILL ARIVE INTEGRATE WITH AN E-SIGN SERIVCE?
Yes! We are integrated with DocuTech, which will not require an additional login from users. Facilitated through the broker disclosure process, this service is free of charge initially but will be a premium service after everyone has had a chance to decide if they find it useful. Post-disclosure integration is on the list of future enhancements. As of launch, our e-sign integrations stops at Broker Disclosures.
WILL ARIVE REPLACE OTHER CRMS?
That depends on how you use your CRM in your business. We are currently developing the kind of marketing and personalization content some people already have on deck, so you’ll need to determine if you’re ready to make that jump.
DOES ARIVE ALLOW BORROWERS TO UPLOAD DOCUMENTS?
Yes! There is a full consumer experience including an online app and borrower portal that allows for upload of documents that are then delivered to the LO.
DOES ARIVE OFFER MOBILE ACCESS?
Definitely. You can use ARIVE from your mobile browser. We will be working on improving the mobile experience post launch, but for the time being you can access the platform from any device with internet access.
DOES ARIVE WORK ON DIFFERENT OPERATING SYSTEMS?
Of course! We haven’t forgotten Mac users. We are web based, so as long as you have access to the internet (and preferably a Chrome browser) ARIVE will work.
CAN I UPLOAD MY CRM DATA FROM OTHER PLATFORMS LIKE SALESFORCE?
Yes you can. Our CRM is custom built by ARIVE, but is built on SalesForce. You’ll be able to upload data into ARIVE from other third parties as well.
CAN THE BROKER AND BORROWER BOTH BE IN THE LOAN APPLICATION AT ONCE?
Yes. However, once a borrower saves changes to a loan application, the LO can not longer save to the same loan file at the same time. They will need to exit and reenter the file so no duplication occurs.
HOW DOES ARIVE DEFINE A BORROWER?
A borrower is anyone with an active loan that has 6 or more points for RESPA.
HOW DOES ARIVE DEFINE A CLIENT?
A client is a person that does not have any active loans, but previously had an official loan application that was funded and/or adversed.
HOW DOES ARIVE DEFINE A LEAD?
The least verified type of potential borrower, this could be from an outside lead source with whom you have yet to make contact, someone who’s number or address isn’t verified, or even a name and number given by a friend. Some referral-based shops do not utilize the lead object because their contacts go directly into prospects.
HOW DOES ARIVE DEFINE A PROSPECT?
A prospect is a solid potential borrower. They may or may not have a loan application started, and if so the loan application has not received the 6 Points for RESPA.
WHICH CREDIT PROVIDERS ARE AVAILABLE ON THE PLATFORM?
Advantage Credit, Inc., CoreLogic CredCo, Credit Plus Inc., Equifax TriMerge, Informative Research, Partners Credit & Verification Solutions, CIC Mortgage Credit, Inc., Credit Technologies, Inc., Certified Credit Reporting, Inc., CIS Info Services