This week’s Inman Tech Roundup covers four proptech launches spanning mortgage, listing tools, brokerage operations and homebuying.
Lower rolled out a 1 percent-down mortgage program aimed at buyers priced out by rising rates. Edensign and RealAnalytica both bet on artificial intelligence that consolidates fragmented workflows. TurboHome, meanwhile, is pairing AI with human agents to try to cut the cost of buying a home.
Here’s what each company announced:
Lower’s answer to the down payment problem
Lower, the Ohio-based digital mortgage lender and parent of Movoto, recently launched ONE by Lower.
The program lets qualified buyers put down as little as 1 percent of their own money while the company kicks in a 2 percent lender grant, capped at $4,500, toward the rest of the down payment. Lower says the grant doesn’t need to be repaid, has no recapture clause and comes with no resale restrictions.
FHA loans generally require a 3.5 percent down payment for borrowers with a qualifying credit score of 580 or higher. ONE by Lower enables eligible buyers to purchase with as little as 1 percent down from their own funds, saving up to 2.5 percentage points toward the down payment compared to an FHA loan.
Loans are capped at $375,000, and buyers’ household income can’t exceed 80 percent of their area’s median income. It’s a structure that Lower frames as targeting workers priced out by rising rates and home values rather than higher earners.
“I got into this business to help more people achieve the American dream of owning a home, which remains one of the most powerful ways to build wealth in this country,” Dan Snyder, CEO of Lower, said. “With ONE by Lower, we’re launching an innovative new mortgage product and investing millions of dollars to help our members achieve homeownership and build a strong financial future.”
What this means for agents
For real estate agents working with lower- and moderate-income buyers, ONE by Lower gives another financing option to point to when a down payment is the thing standing between a client and an offer.
But with a $375,000 loan cap and an 80 percent AMI income limit, it’s really a tool for a specific slice of the market, such as starter homes and workforce buyers, not a fix for affordability broadly.
Edensign turns listing prep into a 30-second workflow
Edensign unveiled an AI Listing Intelligence Platform and a new 3D multi-angle virtual staging system at Inman Connect San Diego, betting that real estate agents want one connected workflow instead of another single-task tool.
The platform takes a property address and listing photos, then generates room-by-room condition analysis, staging recommendations, comp data and marketing copy. This compresses what CEO George Zheng says can be hours of prep work into roughly 30 seconds.
“A property is more than a collection of disconnected images,” Zheng said. “It is one connected spatial environment, and real estate technology should be able to understand it that way.”
The multi-angle staging tool addresses a common flaw in generative staging: furniture that shifts style or placement across different angles of the same room. Edensign’s system instead builds one coordinated staging plan across all angles of a room, pulling from a branded 3D furniture library buyers can purchase directly.
“Generating one beautiful room is no longer the hardest problem,” Zheng said. “The harder problem is understanding that room, connecting it to the rest of the property and turning that understanding into decisions real estate professionals can trust.”
What this means for agents
Edensign’s pitch is about giving agents time back. Listing prep that used to eat hours or days could shrink to seconds, letting agents take on more listings without adding staff.
Agents who use multiple AI products for photo editing, staging, renovation visualization and more may find this new tool helpful to create a nearly complete listing-preparation package more easily.
Atlas Agents runs the busywork so agents don’t have to
RealAnalytica recently launched Atlas Agents, an AI platform built to handle lead follow-up, listing and market analysis, transaction monitoring and other recurring tasks for brokerages and agents. The company also rolled out a recruiting tool aimed at helping brokerage owners identify and engage productive agents and evaluate office-acquisition targets.
RealAnalytica says it connects email, CRM, MLS, tax data, marketing, recruiting, analytics, e-signature and transaction tools into one system with more than 30 integrations, rather than leaving agents to stitch together disconnected platforms themselves.
Atlas Agents comes preloaded with real estate-specific workflows, so the company says agents won’t need to train it on industry basics. It can also run recurring, multi-step tasks in the background without prompting.
RealAnalytica frames the tool as adding capacity rather than replacing agent judgment. The company says relationships, negotiation and final decisions stay with the agent. Brokerages can also configure workflows to match their own branding and processes.
What this means for agents
For agents drowning in lead follow-up and admin work, Atlas Agents offers the promise of operating with the capacity of a bigger team without actually hiring one.
For brokerage owners specifically, the bundled recruiting tool adds a second layer of using the same AI to identify and court productive agents while also flagging potential office acquisitions. This can tie growth and retention into the same system.
TurboHome’s AI-plus-agent pitch
TurboHome recently unveiled an AI-powered homebuying platform that combines home search, market data, tour scheduling, disclosure review and offer management into one workspace, with a licensed local agent attached throughout. The company says the platform is built to get buyers to a signed offer, not just help them browse listings.
Buyers communicate with both the AI and their human agent through a shared group chat, available via iMessage or web app. TurboHome says this centralizes tasks like requesting tours and reviewing disclosures without buyers juggling separate portals, PDFs and text threads.
TurboHome has called its new platform “Zillow on steroids.”
“Most homebuying platforms help buyers browse listings. TurboHome is built to help them actually buy a home,” said Ben Bear, founder and CEO of TurboHome. “AI can handle much of the research, organization and coordination, while experienced local real estate agents focus on the moments where human judgment matters most: strategy, negotiations and closing the deal.”
TurboHome, which launched after the NAR settlement in late 2024, says its customers have purchased $445 million in homes to date, saving a combined $8 million in commissions versus a traditional agent.
The web and iMessage tools launch this month in Texas and California, with a mobile app and additional states to follow.
What this means for agents
For agents, TurboHome is a direct challenge on price. It’s explicitly marketing a 70 percent discount versus a traditional agent, using AI to absorb the research and coordination work that agents typically bill for.
It also signals that post-NAR-settlement competition is heading toward platforms that keep a licensed agent in the loop for negotiation and closing, but strip out the parts of the job clients increasingly expect AI to handle for free.
