Tenant isolation
Row-level security in Postgres
Core customer tables use agency_id scoping and Postgres RLS; coverage is reviewed during releases.
For Lenders
Quote your buyers without leaving your loan file.
We're the agency loan officers in Alabama send their buyers to. One submission, every carrier, binder direct to your loan-ops team, and a real-time status board so closing morning isn't the first time you hear about insurance.
Try it now — preliminary quote
Start a quote request with the facts your agent can verify.
Submit your buyer’s details and we’ll save the request for review. Once the material borrower and property facts are confirmed, your agent can shop the carrier panel. We’ll also email you a 6-digit code so you can sign into your Quote Tracker portal and watch progress live.
30-second submissions
Forward the contract, paste the buyer info, or text us a name and address. We don't need a 14-field form to get started.
Binder to loan-ops
We route the binder, dec page, and EOI to your processor and keep the delivery status visible in the workflow.
No phone tag
You see the same status board we do. Quoted, sent, bound. Every transition is timestamped and visible to your whole team.
Closing-date aware
Every quote is anchored to your closing date. We work backward so the binder is in your file days before it's due, not on the morning of.
Your team, on your terms
Add processors and assistants in the portal so submissions and updates route to whoever's actually working the file.
Refinance Win-Back Alerts
When a buyer you sent us later requests a mortgagee-clause update tied to a different lender, the workflow can surface a notification so you can follow up on the refinance opportunity.
The lender workflow.
We engineered the flow around your actual day — pre-approval, under contract, clear to close.
- 01Send the buyer
Email, text, or paste from your LOS. Buyer name plus property address is enough to start.
- 02We quote
We shop the carriers that actually write the property. You see live status the whole time.
- 03Quote to file
Approved quote and binder land directly with your loan-ops team in the format your processors expect.
- 04Bind early
We bind days before closing, not on closing morning. Binder and dec page in your file. Clear to close.
Built for trust
Your borrowers’ data, locked down four different ways
We handle nonpublic personal information from your buyers every day. Here’s exactly how we keep it isolated, audited, encrypted, and minimized — not as marketing copy, but as shipped controls you can verify.
Audit ledger
Append-only Merkle chain
Selected critical events are written to an append-only audit_events table with a per-tenant hash chain, with verification handled as part of operations.
Encryption + access
TLS in transit, MFA + SSO
Traffic is served over TLS; Supabase Auth supports optional TOTP MFA, and enterprise tenants can require Microsoft 365 SSO. Service-role keys are scoped and rotated through the operational credential process.
Data minimization
PII redacted at every AI boundary
Every AI call is gated by a tenant-level spend budget, and PII (SSNs, DOBs, account numbers) is redacted before it ever crosses a provider boundary. Direct provider-SDK imports are blocked outside the audited wrapper.
Current compliance and security assessment materials are available on request from the security contact.
RESPA §8 · Ala. DOI · 12 CFR Part 1024
How we stay clean on every referral
We never pay your lender or realtor a fee, kickback, or split for sending a quote — and we say so out loud, in plain English, on every borrower-facing page.
- Provided as a courtesy
This quote is provided as a courtesy through your lender. It is not a solicitation by your lender and the lender is not acting as an insurance producer.
- Not a condition of your loan
You are not required to purchase insurance from this agency as a condition of approval, settlement, or closing on your loan.
- Free to shop
YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. You may purchase homeowners insurance from any licensed provider you choose.
- Your lender receives no fee
Your lender receives no fee, commission, kickback, or other compensation from this agency or any insurance carrier in exchange for this quote or any policy you may bind.
- Estimate only — not a binder
This is a preliminary estimate based on the information provided and is subject to underwriting review. Coverage is not in force until a policy is issued by the carrier and the initial premium is paid.
- Won't affect your loan approval
Your choice of insurance provider will not affect the approval, terms, or conditions of your loan.
Quote provided by TCDS Insurance Agency, a licensed Alabama insurance producer. Disclosures provided to comply with the Real Estate Settlement Procedures Act (12 U.S.C. § 2607), 12 CFR §§ 1024.14–1024.15, and Alabama Department of Insurance producer-licensing rules (Ala. Code § 27-7-35.1).