How Pretto automates mortgage pre-qualification, lender matching, and document orchestration in France
Pretto is a French digital mortgage broker that walks home buyers through pre-qualification, lender selection, and closing — entirely online. Behind every approved loan sits a workflow stack that turns a messy stack of paperwork into a clean, lender-ready file.
A traditional mortgage broker spends most of their day chasing documents, calling banks, and re-keying the same information into a dozen lender portals. Pretto rebuilt that workflow as software. Applicants answer a guided questionnaire once, the platform structures their financial picture, lenders compete on the same standardised file, and a closing room carries the deal to signature.
The four pain points Pretto's automation has to solve
Applicants do not know if they qualify. Most buyers waste weeks shopping for homes they cannot finance. Without an honest pre-qualification, the whole search is built on a guess.
Each lender wants the file differently. Pay stubs, tax returns, bank statements, proof of address — every bank has its own list and its own format. Building the file by hand for each lender is the brokerage equivalent of busy work.
Rates move; offers expire. Lender rates change weekly. An offer that was best on Monday is mediocre by Friday. Manual comparison cannot keep up.
Closing is a coordination problem. Buyer, seller, notary, bank, broker, insurer — six parties moving on different timelines toward one signature. Most deals stall in this last mile.
Four automation patterns that keep Pretto moving
Guided pre-qualification
An applicant answers a structured questionnaire in 15 minutes; the platform returns a realistic budget, a maximum loan amount, and a list of friction points before they tour a single property.
One file, many lenders
The applicant's documents are uploaded once and standardised. Each lender receives the file in their expected format, so the broker stops re-keying and the applicant stops re-uploading.
Live rate comparison
Lender rate sheets flow into the platform; comparisons re-rank automatically as rates move, and the broker is alerted when a better offer becomes available before the current one expires.
Shared closing room
Buyer, seller, notary, bank, broker, and insurer share a single deal room with statuses, deadlines, and signed documents. Missed handoffs become visible early instead of at the eleventh hour.
The four-stage pipeline
Every mortgage on Pretto runs through the same four-stage shape — qualify, match a lender, submit the file, close the deal. The same pipeline serves a first-time buyer in Lyon and a portfolio investor in Paris.
Case study: Pretto
Pretto
Challenge
Walk French home buyers through a full mortgage — from pre-qualification to lender comparison to signature — entirely online, while keeping pace with a multi-lender market where rates move weekly and every bank wants the file differently.
Solution
Pretto built a pipeline that turns guided applicant intake into a standardised lender file, runs live rate comparison, and carries the closing through a shared deal room. Brokers stop chasing paper and spend their time on the conversations that actually move a deal.
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How does Pretto pre-qualify a home buyer?
Applicants answer a structured questionnaire in about 15 minutes. The platform returns a realistic budget, a maximum loan amount, and any friction points before the buyer tours a property — so the search is built on a real number rather than a guess.
How does Pretto handle different lender requirements?
Applicants upload their documents once. The platform standardises the file and reformats it per lender, so each bank receives the package in its expected format without the broker re-keying anything or the applicant re-uploading.
How does Pretto keep rate comparison current?
Lender rate sheets flow into the platform live; comparisons re-rank automatically as rates move. The broker is alerted when a better offer becomes available before the current one expires, so applicants do not lock in a stale rate.
Run your brokerage on the same pipeline
Byteflow gives you the workflow shape — qualify, match, submit, close — so your team can stop chasing paper and focus on the conversations that move deals.
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