You run the files.
Marge runs the paperwork around them.
Packages put together. Files tracked from assignment to disposition. And a clear answer to the question every broker quietly carries — which files are actually paying me?
You're already doing the hard part. Marge handles the part nobody pays you for — so Friday at 5pm stops feeling like the start of another shift.
One agent. Four tools she runs for you.
You don’t pick a product — Marge picks the right tool for the job. Tap any one to see what she does with it.
Reimbursement Hub
Invoices OCR’d, photos audited, the AM form filled. Packages out the door in minutes — not after the kids go to bed.
TrueFile™ Hub
Every property, every status, one screen. Replaces the spreadsheet-plus-project-tracker patchwork you’ve been stitching together.
Photo Addendum
Dated, captioned, audit-clean photo packages — generated the second you upload.
Start anywhere — go at your pace
Path A · Free
Try her on 3 real files
Up to 90 days. No card up front. Look at your own numbers before you decide a thing.
Start freePath B · Just one module
Start with the piece you need
Cost Intelligence, Reimbursement Hub, or Photo Addendum — each one runs on its own. Add the rest when you’re ready.
See module pricingTrueFile™ is the operational and financial intelligence platform built for REO brokers — automating the work between the platforms, revealing the true cost of every file, and giving every broker the clarity to run their division with confidence.
Scenario today. Your actuals tomorrow.
Start with a clean scenario from the wizard. The longer you use TrueFile Hub, the more your cost model pulls from your real numbers — per file, per AM, per close.
At 25 files + 90 days of Hub history, things like rejection $, photo compliance, days-to-submit, and fall rate switch from scenario assumptions to your real numbers. One toggle per row — keep it, or fall back to your wizard input.
When you have 25+ closes in the trailing year, one click sets your typical-year volume to your actuals. Slow year (−20%) and busy year (+20%) auto-flank it. The band is yours to tune.
Your actuals only ever update your account — never mixed with another broker's. The engine constants behind the scenario column stay proprietary and are never exposed, logged, or overridable by anyone outside your seat.
A shared bench of vetted vendors — searchable from any property.
Every vendor in the TrueFile™ Network keeps one profile with their W9, COI, and license on file. Type a property address — see every vendor who covers that county and trade. No more cold-calling for a roofer at 4 p.m. on a Friday.
Pull up an assignment, pick the trade, see every vendor whose coverage includes that county. Sort by your own approval status and history.
Vendors upload W9, COI (GL + WC), and license once for the whole network. You see expiration dates up front — no chasing paperwork before a bid.
Approval, inactivation, and scoring stay inside your workspace. The shared identity makes them discoverable — what happens after is yours.
What you can stop paying for
That cost spreadsheet
The one your CPA built. Or the one you built at 11pm with two coffees. Solid on day one, off by month three. Done.
The reimbursement pile
Vendor invoices. Receipts. Photos. The 14-page AM form. Marge reads it all, audits the photos, fills the form, and hands you a package ready to send.
The patchwork project tracker
Property record, TC checklist, critical dates, utility status — one place, built for REO files, not a generic to-do app.
Every REO broker has the same quiet moment. Usually late. Usually right after a brutal file finally closes. And we all ask the same thing: what did I actually make on that one? Or worse — what am I even doing this for?
Not the commission. The real number. After the hours. After the money you fronted. After every dollar you chased, swallowed, or forgot to bill back.
Most of us never run that number. Nobody ever handed us a tool that could.
REO brokers don’t burn out from the work. We burn out from working this hard without ever knowing if the math is on our side.
You’re not bad at business. A regular P&L was never built for REO. The labor, the float, the hold time, the overhead — none of it lands where it should. So none of it shows up when you look at the numbers.
So you take more files. You push volume. You tell yourself scale will fix the margin. Sometimes it does. Usually it doesn’t. And without the real numbers in front of you, there’s no way to tell which one you’re in until you’re already in it.
Three things Marge quietly fixes — in week one.
The reimbursement pile. The patchwork tracker. And the question your P&L has never been able to answer.
The reimbursement pile
Vendor invoices, receipts, photos, the 14-page AM form. Marge OCRs every page, audits the photo addendum, fills the AM form, and hands you a clean package — in minutes. The float-cost meter shows you what aging is costing while you wait to get paid.
The patchwork tracker
Property records, TC checklist, Critical Dates, utility status, listings, bids — one place built for REO files, not a generic to-do app. Replaces the spreadsheet-plus-project-tracker stack you’ve been stitching together.
The number your P&L can’t show you
True cost per file — labor at replacement cost, float on what you fronted, splits in the right bucket. Then Marge points out the AMs and the files quietly bleeding you, and the overhead you didn’t know you could trim.
TrueFile™ is the operating system for an REO division.
Built from inside the work — not by someone watching from the outside. By a broker. For brokers.
One Hub for every file. One reimbursement workflow that actually finishes. One cost model built from your own numbers. And Marge — your agent — running the connective tissue between all of it.
What brokers are saying
“I thought I was making $100 an hour. Turns out I was only making $26.”
“I had no idea a file cost this much in reality. My numbers never showed this to me.”
“I used Marge to help me cut $580 a year in my first run with her.”
“Marge showed me that adding a part-time employee actually saved me money.”
“Marge helped me see that opening a BPO division was NOT a good idea.”
“I learned what adding a commercial agent would do for my firm. Now I am going after commercial REO in my market. I was afraid to make this move. Now I am not.”
“I was able to see that one of my clients was bleeding me dry and I had no idea.”
Two easy ways to start
Path A · Free
Try her on 3 real files
Up to 90 days. No card up front. Look at your own numbers before you decide a thing.
Start freePath B · Just one module
Start with the piece you need
Cost Intelligence, Reimbursement Hub, or Photo Addendum — each one runs on its own. Add the rest when you’re ready.
See module pricingOnce your files are flowing, the math gets sharp.
Most brokers know their gross commission. Almost none can tell you what one file really costs once labor, overhead, hold time, and the money you fronted are all in the math. Marge can — and she runs it 60 different ways so you can see exactly where the margin lives.
60 scenarios, off your own numbers — every combination of hold period, volume, and rehab length — so you can see where you make money, where you break even, and where you’re quietly subsidizing a client with your own labor.
4 hold-period scenarios
3 months to contract, 4 months, 6 months, and a 12-month redemption case.
3 volume tiers
Where you are now, where you want to be, and the stretch number.
5 rehab durations
1 through 5 months held — priced by the month, not averaged into a blur.
Real profitability
Net per file, break-even sale price, and margin at the scenario level — not a firm-wide average that hides where you bleed.
Ready when you are
Path A · Free
Try her on 3 real files
Up to 90 days. No card up front. Look at your own numbers before you decide a thing.
Start freePath B · Just one module
Start with the piece you need
Cost Intelligence, Reimbursement Hub, or Photo Addendum — each one runs on its own. Add the rest when you’re ready.
See module pricingOne agent. Across every tool.
Marge isn’t a chatbot bolted onto a dashboard. She’s the connective tissue between your Hub, your reimbursement packages, and your cost model. Ask her anything — about a property, an AM, a file, a number — and she answers from your real data.
She walks you through internal cost levers before any AM fee conversation. She pulls you up to the AM’s blended book before reacting to one ugly file. She tells you what a number means, where it came from, and what you could try next — without pretending to be your accountant.
Three ways in. All of them free to try.
You don’t have to swallow the whole platform on day one. Pick the door that matches the fire you’re fighting this week.
Start with reimbursements
Drag in the invoices and photos from a file you’re packaging this week. Marge OCRs every page, audits the photo addendum, fills the AM form, and hands you a finished PDF. Fastest proof she does the work.
Start with the Hub
Import your active assignments. Property records, TC checklist, Critical Dates, utilities, listings, and bids all populate. Replaces the spreadsheet-plus-project-tracker patchwork in an afternoon.
Start with the numbers
Run the cost wizard once (30–45 min guided, 60–90 by hand), then drop in your quarterly P&L. Marge auto-maps your QuickBooks export and keeps the model honest all year.
See your numbers first. Decide after.
Run the wizard free. Look at what comes out. Then decide if it’s worth a dollar to you.
Free on 3 real files, up to 90 days. No card up front. Pick one early-stage, one mid-cycle, one near-close — and watch the full lifecycle play out before you spend a thing.
Pick a plan when you’re ready: Cost Intelligence from $89/mo, Reimbursement Hub from $79/mo, or the full stack from $139/mo.
Free trial · 3 real files · up to 90 days · no card up front · cancel anytime
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Your numbers stay yours. TrueFile does not coordinate, suggest, or share pricing between users. All pricing decisions remain solely yours.
Your numbers. Your model. Your decisions.