Sophie
Front Office
Greets, qualifies, and routes every inquiry the moment it arrives — nights, weekends, holidays — and walks borrowers through the 1003 while other shops’ phones ring out. No lead waits. No lead leaks.
Mycelian.app
The reason good loan officers choose you.
Mycelian, by JLGonzalez Consulting LLC — five AI agents and one command center that open every file, chase every document, and call your LOs the moment a borrower stalls, not a processor. Their file, their borrower, their commission — nobody else touches it. Built for a real California brokerage in 71 days. It's running right now — come watch it.
Built for Presto Home Loans (Daly City, CA · NMLS #1499621) in 71 calendar days — a complete multi-agent operations system traditional firms quote 6–18 months and $300k+ to build. Live today.
The Problem
Every shop knows the 9 p.m. lead.
A borrower fills out a form at 9:07 on a Tuesday night. At most shops, that lead waits for morning — and by morning, they've already talked to two competitors.
It's not just the leads:
- Files eat your processors’ hours before a human should ever touch them.
- Compliance runs on memory and sticky notes, not a system.
- The principal finds out how the pipeline really looks by asking, one person at a time.
- Your best producers leave the moment a bigger shop outbids you on split.
None of that is a people problem. It's an infrastructure problem — and it's the same one costing you your best producers every time a bigger shop outbids you on split. In 71 days, we built the infrastructure that gives them a reason to stay instead. Here's what we built.
What It Is
One system, built to run your back office and keep your leadership sighted.
Mycelian is a multi-agent operations team that runs inside your brokerage — not a chatbot bolted onto your website. And it puts your whole pipeline on one screen: The Desk.
- Answers and routes every lead, day or night
- Processes files against DU/LP before a human touches them
- Watches every compliance clock and disclosure deadline
- Puts your whole pipeline on one screen, always current
The Desk seats your whole leadership, not just one owner — four logins, four views of the same truth:
President / Owner / Principal / CEO
The whole shop, one screen.
Treasurer / CFO
The money side, always current.
Secretary / Admin / Operations
The pipeline, the files, the compliance trail.
Exec Assistant
The day-to-day, without chasing anyone for status.
Here's who's doing the work.
Meet Your Team
One intelligence. Branching into everyone you wish you could hire.
Lonnie
Loan Ops
Takes the 1003, runs DU and LP, and grades every file green, yellow, or red before it moves — nothing advances on a guess. Reads the conditions and hands your processor a clean, packaged file.
Grace
AI Manager
The system comes with an AI manager who functions like your chief of staff — triages the inbox hot/warm/cold, pulls what matters into the Desk, drafts your emails and texts, and keeps the day moving. She remembers, too — every open item carried forward day to day, so nothing waits on your memory.
Lex
Compliance
Watches every RESPA touchpoint and disclosure clock, file by file, flagging what’s off before it becomes a finding. Every night, the log synthesizes into a permanent record — audits stop being fire drills.
The Voices
Your Pipeline
Custom content personalities, written to match your company’s culture and tone, generating real posts for Instagram, Facebook, and LinkedIn on a steady cadence. You approve before anything goes live — never on autopilot. The feed on our site? Written by the system.
The Desk
Your Seat
One screen: every file, every lead, every deadline, every agent’s work — without asking anyone. A shared team log nobody can edit or delete keeps every commitment on record. You and your leadership, fully sighted, four seats deep.
Your team, your names. Every deployment is named and voiced to your company's culture — Sophie, Lonnie, Grace, and Lex are what Presto calls theirs. Yours will be your own.
What's Included
Every capability, simply stated.
Answers every lead, day or night
No inquiry waits on business hours — nights, weekends, holidays.
Grades every file before it moves
DU and LP run automatically. Nothing advances on a guess.
Remembers, so you don’t have to
Every open item and deadline carried forward, day to day.
Watches every compliance clock
Flags what’s off before it becomes a finding.
Writes your social content
Real posts, generated on a steady cadence — you approve before anything goes live.
Keeps an unerasable record
Every decision, action, and message — logged automatically. Nobody can edit or delete it — ever.
Puts your whole shop on one screen
Every file, lead, deadline, and agent’s work, always current.
Follows up automatically
Borrowers and referral partners both get real updates — never silence.
Builds in trust from day one
Every agent’s access, every data boundary — engineered in, not bolted on after the fact.
Why "Mycelian"
A network beneath the surface.
In nature, a mycelial network is decentralized and autonomous — millions of threads that communicate, adapt, and sustain entire ecosystems without a central manager. We built Mycelian to do exactly that for your brokerage: a network of specialized agents that share context and execute complex workflows across your business — silently, flawlessly, 24/7.
No single point of failure. Every thread carries the whole.
Our Commitment
We don't hand you a tool and walk away.
Always On
Always Watching
An agent checks every system every five minutes, day and night — fixes most things before you’d notice, and wakes a human the moment it can’t.
Real Working Memory
Grace remembers. Every session, every decision, every pattern in your shop compounds into what she knows next time.
Our Promise
- We tune it as your volume grows
- We update it when compliance rules change
- Your data exports within 30 days — always yours, no lock-in
- One system per market — we never sell this to a competing brokerage in your MSA
Built On The Law, Not Around It
Every call answered. Every state engineered for.
Call-recording consent, telemarketing statutes, and licensing regimes shift from state to state — sometimes sharply. Before Mycelian goes live in a new state, we map that state's law first: how a call must be disclosed, what counts as solicitation, what triggers a licensing requirement. Not a generic compliance policy retrofitted after the fact — actual per-state legal research, done before the first call ever goes out.
Call-recording consent — mapped state by state
Telemarketing & solicitation rules — checked before launch
Licensing triggers — verified before a single call goes out
All 50 states — researched and mapped, not just California
Most AI vendors ship one script nationwide and hope nothing breaks. We don't hope — we engineer for the law that actually applies, state by state, before a single call happens.
And The Data Itself
Your borrowers' data, treated like a license depends on it. Because yours does.
Encrypted in transit & at rest
Role-restricted access
Full action audit trail
Dedicated infrastructure — your own private VPS and object storage, fully isolated from every other client, never shared or pooled
Professional liability & cyber insurance — in process, in place before you sign
Attorney-reviewed client agreements — in process, in place before you sign
Mycelian's own administrative access requires MFA. Every record kept, never deleted — an audit trail that builds itself. Independent penetration testing is next on the roadmap.
And the boundary that matters: you stay the licensed professional. The system works for you — surfacing, tracking, flagging — never instead of you.
How the process works
Three steps. The audit is why it's fast.
01
The Audit
$4,000, credited toward your build within 15 days.
We map how your office actually runs — every place a lead, a form, or a compliance step touches a human today. Takes 1–2 weeks. You walk away with a fixed-quote build plan, not a sales pitch. If you build, the fee credits in full. If you don’t, you keep the map.
02
The Build
Live in about 6 to 8 weeks.
Your full agent team, deployed and working — not a demo, not a pilot. Presto went from zero to a running operation in 71 calendar days, and the audit is why. The better the map, the faster the build.
03
The Partnership
Your back office’s payroll.
We staff the team, watch it, tune it, and keep it current as rules and models change. You’re paying for an operations department that never calls in sick.
Proof
It's not a promise. It's running.
The Walkthrough
Two minutes. How Presto actually runs.
Presto Home Loans, Daly City, California.
A standard website and manual intake became a 24/7 AI operation: every inquiry answered instantly, files prepped before a human touches them, compliance clocks watched automatically, and a command center the principals check each morning. Built end to end in 71 calendar days.
Results being measured — real numbers publish here as they land.
The Comparison
This is not another $99 tool. Here's the honest math.
The $99/mo tool
Mycelian
One chatbot answering FAQs
A full team running operations
You install it, configure it, babysit it
We build it, run it, and stay on the hook
Avoids compliance — too risky for a bolt-on tool
Built compliance-aware for regulated work
A feature
A workforce
And against your real alternatives: a back-office hire runs $50–80k a year, loaded — and quits. A custom dev shop averages $132,480 and 13 months for a build like this. Firms that do this at enterprise grade start at $50k and run past $200k. We're the compliance-grade middle — live in about 6 to 8 weeks, at the size of your shop.
You'll never be handed to a stranger. I sit with your team before anything is built, and I'm still the one who answers after — the same person, every time, who already knows your name and your file. That's not a support policy. That's Mycelian.
Candace Gonzalez
The Relationship Architect
Pricing
Priced to the size of your shop. Nothing hidden.
2 of 3 spots remaining
Founding client
First 3 clients only, any firm size — first come, first served
The Audit (credited to build)$4,000
The Build$29,000
The Partnership$2,500/mo
Boutique shop
Up to 15 active loan files/month
The Audit (credited to build)$4,000
The Build$39,000
The Partnership$3,500/mo
Producing team
16–39 active loan files/month
The Audit (credited to build)$4,000
The Build$49,000
The Partnership$5,000/mo
The audit fee credits in full toward your build if you opt in within 15 days of delivery. Every tier includes LO Portal seats (15 for Boutique, 30 for Producing) — additional seats beyond that: $150/mo each.
Term: every engagement runs a 3-year initial term, renewing at 2-year terms after. Your first month of the retainer is free — you don't pay until the system's been running for you for 30 days.
Founding three: a discounted build and a flat retainer for the life of your term, in exchange for a named case study and testimonial. 2 of 3 spots remaining — updated by hand. After that, full price, permanently. Running more than 39 loan files a month? The audit sizes it and quotes it directly — fixed, in writing.
The Architect
Jose Luis Gonzalez, Agentic Systems Architect
Jose Luis Gonzalez built Presto Home Loans' complete multi-agent operation from zero in 71 days — the system you can watch running today. When you call, you get the person who built it: a named, on-shore architect who speaks US mortgage compliance, not an offshore vendor with a ticket queue.
This is the fifth time this architecture has been built. A compliance consulting practice, a records-verification system, a financial markets system, and a publishing engine all run on the same underlying infrastructure — Presto is simply the first version purpose-built for mortgage compliance.
Currently completing Anthropic's official certification program
FAQ
Questions, answered plainly.
The Practical Stuff
That’s what the partnership is. We monitor it around the clock, fix what breaks before you notice, and keep it current. You’re never buying a tool and getting abandoned — it’s our operations team running in your shop.
Encrypted in transit and at rest, access restricted to authorized roles. Every agent action is logged — your audit trail builds itself.
Keep it if it earns its seat. A tool answers one question; Mycelian runs the operation — and we integrate with what already works.
The Boutique tier was designed for shops of five and under. Presto isn’t a giant either — that’s the point. Small shops feel missing infrastructure most.
About 6 to 8 weeks — 71 calendar days at Presto. The audit sets the speed: the better we map your shop and the faster we get access, the sooner it ships.
It replaces the 11 p.m. catch-up, not your people. Your team stops doing robot work; the robots don’t do the judgment work. You stay the licensed professionals.
Your data exports in standard formats, always yours, within 30 days. No hostage-taking — it’s in the contract.
A mycelial network is decentralized and autonomous — millions of threads sustaining an ecosystem without a central manager. That’s the system, for your brokerage.
What Owners Actually Wonder
It doesn’t get less yours — it gets named after your own culture. Presto’s agents are called Sophie, Lonnie, Grace, Lex; yours would be whatever fits your shop. And you’re never handed off to a stranger, either — the same person is with you before, during, and after. This runs your operations. It doesn’t replace what makes the place actually yours.
Fair, and we’d rather you go in skeptical than sold. This isn’t a slide deck — it’s running right now, and we’ll tell you plainly what isn’t finished yet too. You’re also not talking to a sales rep — you’re talking to the same system built by the same architect who’d actually build yours.
Most teams don’t feel replaced — they feel relieved. What this takes over is the part nobody enjoys: chasing status, answering the same question at midnight, hunting for a file. Your people keep doing the part that actually needs a person.
You don’t have to understand the machinery to trust what it’s actually built for — human touchpoints, not around them. This was designed to elevate you, not blow past you: it surfaces, tracks, flags, and hands the actual judgment call back to you every time. You stay the licensed professional; the system’s whole job is making sure nothing falls through before it reaches you.
It would be, if it were still a pitch. It’s not — it’s a real system, running right now for a real brokerage, built by a named architect you can actually talk to. Nothing here is theoretical.
Watch it run. Then decide.
Two minutes. The system running, today, inside a real brokerage. Watch it, then let's talk about yours.
The same system running Presto Home Loans, live, today.
2 of 3 founding spots remaining