The HMX
HMX offers Supermortgage, an agentic AI platform that automatically monitors mortgage rates each morning and initiates refinancing when a lower rate meets the user's savings threshold. The AI agent works independently, preparing complete refinance packages that require only a tap and digital signature for approval, with transparent pricing that includes no points, loan officer fees, or commissions.
- Financial Technology
- AI Agents
- Property Technology
- Artificial Intelligence
- Software Only
- Blockchain & Cryptocurrency
Funding
Founders
Founder details are not available yet.
Product
Problem
Mortgage borrowers often miss optimal refinancing windows because rates fluctuate daily and manual monitoring is time-consuming. Traditional refinancing involves loan officers, points, commissions, and opaque pricing, leaving homeowners uncertain whether they are getting the best available rate or paying unnecessary fees.
Solution
HMX provides Supermortgage, an agentic AI platform that automatically monitors mortgage rates every morning and initiates refinancing when a lower rate meets the user's savings threshold. The AI agent has its own computing environment, working independently of the app to read rate sheets, track loan statements, and prepare complete refinance packages that only require user approval via a tap and digital signature. The platform offers rates without points, loan officer fees, or commissions, displaying side-by-side comparisons of the current loan versus the proposed offer—including payment, costs, payback period, and seven-year benefit—so borrowers make informed decisions. Beyond rate checks, the agent identifies and handles savings opportunities such as unnecessary PMI, unproductive subscriptions, over-collected escrow accounts, and insurance renewals worth shopping. The loan product is a standard conventional mortgage underwritten by systems used by major lenders, and all documents are transmitted directly from banks and lenders with encryption.
Target Audience
Primary customers are existing homeowners with conventional mortgages seeking to reduce monthly payments through automated, commission-free rate monitoring and refinancing.
Features
- Agentic AI with its own computer that autonomously checks daily rate sheets at 6:30 AM and maintains a running history of every rate check
- Automated refinance preparation that presents pre-filled offers for user approval with one-tap digital signing
- Transparent pricing model with zero points, no loan officer, and no commission, showing today's market rate versus the offer
- Comprehensive savings detection covering PMI removal, subscription waste, escrow over-collection, and insurance shopping
- Direct document retrieval from the user's bank and current lender, with encryption and no third-party sales distribution
- Full audit trail showing every rate check, planned actions, and complete history within the app