Pulse Mortgage Lab is a chat-native mortgage experience — real pre-approval numbers in about 90 seconds, same-day letters, and a licensed human on the other end.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
Pulse Mortgage Lab is a chat-native mortgage experience — real pre-approval numbers in about 90 seconds, same-day letters, and a licensed human on the other end.
Loan programs
Pre-approval built like a conversation, not a call center. Real numbers in about 90 seconds, a same-day letter when you’re ready, and a licensed human on the other end.
250+ buyers closed since 2020
Can I actually afford a house?
Let’s find out — 3 questions, 90 seconds.
No hard credit pull. No phone tag. Just real numbers.
ok — let’s go
Read 9:42 AM
Eight programs, zero jargon. Open the one that sounds like you.
Estimate your monthly payment, including taxes, insurance, and PMI.
Loan term
Estimated monthly payment
You're all set!
We'll send your numbers over and follow up personally.
We'll email your full breakdown with today's real rates and next steps. No obligation.
Four recent reviews of , shared word for word from Google.
Prefer to call or text? Frank · or Andy · .
Delivered.
Thanks — we’ll reach out shortly. Usually within about 11 minutes during the day.
That didn’t send. Try again — or email or . Dismiss
We are analyzing your loan for potential savings. We'll be in touch soon!
Upload your Loan Estimate and we'll analyze it for potential savings on your mortgage.
Step of 3:
Upload Loan Estimate (PDF)
Click or drag to replace
Drag and drop your Loan Estimate here
or click to browse (PDF, max 10MB)
Please confirm your information is correct before submitting.
Live pricing, powered by Optimal Blue. Want a number built for your file? Leave your email.
Thanks! We'll be in touch with your personalized rate.
Want a personalized rate? Enter your email and we'll send you one.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
Explore
Programs
Talk to us
Frank ·
Andy ·
Book a 15-min intro call →
Replies 9am–6pm Eastern Standard Time, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.