Use case
Mortgage CRM for Construction Loan Officers
Construction-to-perm loans run for 6-9 months, involve 5-7 parties, and have to convert mid-stream without dropping the borrower. The builder needs draw funds on schedule, the inspector has to sign off before each draw releases, the contingency reserve has to survive cost overruns, and the construction-to-perm conversion has to land before the construction term expires. Generic mortgage CRMs built for 30-day purchase cycles miss every milestone that matters. Five CRMs that actually handle long-cycle, multi-party construction work — Approvr included — are below, judged on how well they keep builder, borrower, and bank in step.
The five CRMs we'd actually consider
Ranked on fit for construction loans. Pricing as of May 2026.
| # | CRM | Rating | Best for | Starting price | Notes |
|---|---|---|---|---|---|
| 1 | Surefire CRM | ★★★★★ | Retail construction shops with enterprise builder relationships | Custom (enterprise) | Encompass-native; deep builder-partner workflow at enterprise price |
| 2 | ApprovrOur pick | ★★★★★ | Independent broker shops running construction-to-perm files | $97/month | Draw schedule tracking, inspection milestones, multi-party threads |
| 3 | Floify | ★★★★★ | Construction document collection (POS-leaning) | $79/user/month | Strong document workflows; thin on long-cycle automation |
| 4 | BNTouch | ★★★★★ | Retail construction LOs needing marketing automation | $148/user/month | Drip campaigns mature; construction workflows are basic |
| 5 | Total Expert | ★★★★★ | Enterprise retention for in-force construction-borrower books | Custom (enterprise) | Best for enterprise retention; implementation prices out small shops |
What construction LOs actually deal with on every file
Construction-to-perm files have four touchpoints that 30-day purchase work does not stress. Draw schedule tracking. Construction loans disburse in stages — typically 5-8 draws across foundation, framing, mechanicals, drywall, finishes, and final completion. Each draw releases against verified construction progress. The CRM has to track draw schedule, draw request date per draw, inspection result, and release date as structured fields. Generic CRMs that bury the draw schedule in a free-text note lose visibility into where the file actually stands. Contractor inspection milestones. Every draw release depends on a contractor inspection (independent inspector or, on FHA 203(k) files, a HUD consultant) that verifies the work is complete and that materials match the budget. The CRM should track inspection request date, inspection date, inspection result, and any deficiency list per inspection. Missed inspections delay draws, which delay subcontractors, which kill builder relationships. Contingency reserve depletion. Construction files carry a contingency reserve (typically 5-15% of hard cost budget) to absorb cost overruns. As the reserve depletes, the LO needs to see it in real time — a depleted reserve before the project's final stages is a borrower-side cash call waiting to happen. Construction-to-perm conversion. The construction term (typically 9-12 months) has to convert to the permanent loan before expiration. The CRM has to track conversion deadline, lock period for the perm portion, and the conversion-day documentation checklist. Files that miss the conversion window can fall into modification or default territory.
What to look for in a construction-loan mortgage CRM
Five capabilities define the construction-ready CRM. Draw schedule as a structured object. Each construction file has a draw schedule with draw count, draw amounts, scope of work per draw, and release status. Approvr's loan-file model supports draw schedules as a structured object — broker-configured at the one-hour onboarding call. Generic CRMs that store draws as free-text notes lose visibility. Contractor inspection workflow. Inspection request, inspection completion, and inspection result as discrete milestones on every draw. The CRM should alert the LO when an inspection is overdue and when an inspection comes back with deficiencies. Approvr supports inspection milestone tracking per draw. Multi-party communication threads. Builder, borrower, inspector, title, and bank all need visibility into the file. Approvr's two-way SMS (Twilio, native) and email handle multi-party threads with TCPA-compliant audit logs on every message. Built in, not broker-brought. Contingency reserve fields. A structured field for original contingency reserve, current balance, and depletion alerts. When the reserve drops below a broker-configured threshold, the LO sees the flag before the borrower's cash call lands. Construction-to-perm conversion tracking. Conversion deadline, lock period for the perm portion, and conversion-day documentation checklist as structured fields. Configurable in Approvr through the template engine; brokers set conversion lead times during onboarding.
Frequently asked questions
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