GET YOUR DUCKS
IN A ROW!
Duck & Key helps loan officers, agents, and housing counselors turn “not ready yet” into “ready to apply” — with a simple readiness framework your clients can actually see themselves improve.
Your pipeline isn't full of dead leads. It's full of clients who aren't ready yet.
Most of your funnel isn't a “no” — it's a “not yet.” Without a way to track and nurture those clients, they go quiet, and you lose the deal to whoever's still in touch with them when they finally are ready.
Duck & Key gives you a structured way to keep that relationship alive, and gives your clients a reason to keep coming back to check their progress.
S.A.I.L. — the four things that determine
if someone's ready to buy.
Your clients self-report where they stand on each. No bank linking, no credentials shared, no PII exposure — just four simple estimates that give you and your client a shared, visual picture of how close they are to applying.
Credit score readiness, tracked as a simple estimate — not a hard pull. Clients know where they stand and what grade they need to reach.
Savings and down payment progress toward the target home price. Includes closing cost estimates and reserve tracking.
Income sources, self-reported and kept up to date. Feeds directly into the DTI calculation to show real qualifying power.
Existing debts weighed against the target monthly payment. Front-end and back-end DTI calculated and graded automatically.
As their numbers improve, their ducks literally line up.
The professional in the actual relationship
with the client.
Loan Officers
You're already tracking this mentally. Duck & Key makes it visible, timestamped, and built for the compliance realities you're already navigating — Reg N/Z-aware with a 24-month audit log built in.
Real Estate Agents
Know who's worth your time before you spend it. Link with a client's loan officer and get the white-glove version: they handle the numbers, you get the green light.
Housing Counselors
Track readiness across your full caseload with the same full-detail view you already use — and reporting that doubles as documentation for grant and outcomes requirements.
Are you a homebuyer?
Your loan officer may already use Duck & Key. If you received an invite link, use that. If not, you can sign up directly and we'll connect you with a professional who can help.
Built for the individual professional.
Not just the enterprise.
No bank linking required
Self-reported estimates only — nothing pulled, nothing stored, nothing to explain to a nervous first-time buyer.
Built-in compliance
Reg N/Z-aware editor with a 24-month audit log, not a separate tool you have to manage yourself.
Priced for you, not just your enterprise
Full features from day one. No institutional sales process. $99/month and a 30-day free trial.
Works across your whole team
Loan officers, agents, and counselors — one shared framework, role-appropriate views. Coming soon: cross-linking.
Duck & Key vs. the alternatives
“Homebot keeps your past clients coming back. Duck & Key gets your future clients ready to walk in the door.”
What does one additional closing get you?
If Duck & Key helps you turn just one “not ready yet” buyer into a closed deal — what's that worth compared to the cost of the platform? Run your own numbers.
🏦 Loan Officer
If Duck & Key helps you turn just one “not ready yet” borrower into a closed loan this year, here's what that's worth vs. your subscription cost.
🏠 Real Estate Agent
If Duck & Key helps you close just one deal you would have otherwise lost to a buyer who wasn't ready, here's what that's worth vs. your subscription cost.
Simple, transparent pricing.
Start free for 30 days. No credit card required.
- ✓S.A.I.L. assessments & duck visualization
- ✓Document checklist tracking
- ✓Client invite links & walk-in signups
- ✓Branding & advisor profile
- ✓Compliance content editor + audit log
- ✓Email notifications
- ✓Last login tracking
- ✓Everything in Professional
- ✓Full client activity tracking
- ✓Most active clients dashboard
- ✓Custom educational videos
- ✓Priority support
- ✓Everything in Professional Plus
- ✓5 seats included at $119/seat
- ✓Additional seats (6–10) at $99/seat
- ✓Shared team white-label branding
- ✓Principal pipeline visibility
- 🔜Seat management UI
All plans include a 30-day free trial with full Professional features · Annual billing saves 16% · Cancel anytime
Get their ducks in a row.
Get your key in the door.
Start your free 30-day trial today. Full Professional features, no credit card required, cancel anytime.
Start My Free Trial →No credit card required · Full Professional features · Cancel anytime