Floify is a capable US mortgage point-of-sale — but per-user pricing, US-only workflows and POS complexity push many brokers to look elsewhere. Here are seven alternatives, compared honestly by scope, region and pricing model.
Last updated: June 2026
Floify, now owned by Porch Group, is a full mortgage point-of-sale: borrower-facing 1003 application, e-signatures, lender and credit integrations, and document collection bundled into one US-centric platform. For many American loan officers that bundle is exactly right.
But three complaints come up again and again. First, cost: Floify is priced per user, and the bill grows with every loan officer and assistant you add — even the ones who only chase documents. Second, geography: the 1003 application, credit pulls and lender integrations are built around the US mortgage process, which makes the platform a poor fit for brokers in Europe, Canada, Australia or anywhere cross-border. Third, complexity: if your actual bottleneck is getting borrowers to send the right documents, a full POS is a lot of software — and a lot of onboarding — for one job.
The right alternative depends on which of those three is your problem. Below are seven options, grouped roughly from focused document collection to full broker platforms.
Best if your bottleneck is document collection, or you work EU/cross-border
Dossia is a document-collection layer for mortgage brokers — deliberately not a POS, LOS or CRM. Each loan file gets one private link; the borrower opens it on their phone and uploads with no account and no app. Checklist templates per borrower profile (salaried, self-employed, cross-border), automatic reminders, one-click validation with rejection reasons, and a bank-ready file export when the checklist is complete.
It is the strongest pick on this list for European and cross-border brokers: hosting is in the EU (Frankfurt), GDPR compliance comes with a signed DPA and row-level security, and the borrower portal is trilingual (English, French, Portuguese). Pricing is per broker seat — not per borrower or per document — with white-label available on higher plans and a free 14-day proof of concept.
The honest limitation: Dossia does not do the 1003 application, e-signing or lender integrations. If you need a full US point-of-sale, it replaces only the document-collection part of Floify — by design.
Best for US independent brokers who want POS + LOS in one
ARIVE is a US broker platform that combines point-of-sale and loan origination in a single system, with a borrower application, pricing engine connections and a lender marketplace aimed squarely at independent mortgage brokers. If you are leaving Floify because you want more than a POS — not less — ARIVE is the natural direction.
It is US-only in practice, and like any all-in-one it asks you to adopt its whole workflow. Brokers who only wanted lighter document collection tend to find it heavier than Floify, not lighter.
Best for US lenders and larger broker shops wanting a configurable POS
BeSmartee is a US digital mortgage point-of-sale serving lenders, banks and larger broker operations, with a borrower application flow, integrations into major LOS platforms and a more enterprise-flavored deployment than Floify. It is a credible Floify replacement when you have the volume — and the implementation appetite — to justify it.
For a small brokerage it is likely overkill, and pricing is typically quoted rather than self-serve, so budget for a sales process.
Best for Canadian mortgage brokers
Finmo, part of Lendesk, is a Canadian broker platform: digital borrower application, document collection and submission workflows built around the Canadian lender ecosystem. For brokers in Canada it solves the geography problem outright — Floify simply was not built for the Canadian process, and Finmo was.
Outside Canada it is not an option, and within it you are again adopting a full platform rather than a focused collection tool.
Best for Australian brokers, especially in the AFG ecosystem
BrokerEngine is an Australian broker workflow platform, owned by aggregator AFG, and its FinanceVault component handles borrower document collection with bank-statement retrieval suited to Australian lending. For Australian brokers leaving Floify on geography grounds, it is the local-fit answer.
It is Australia-specific, and its tightest integrations live inside the AFG ecosystem — worth weighing if you aggregate elsewhere.
Best for banks, credit unions and lending teams with compliance requirements
FileInvite is a document-collection platform from New Zealand with a strong US presence, built around requests, reminders and a client portal. It has moved progressively upmarket toward banks, credit unions and larger lending teams, with the security posture and pricing to match.
It collects documents well, but it is not mortgage-specific — no borrower-profile checklists or bank-ready loan-file packaging — and borrowers typically work through a portal login. Small broker shops may find current plans and minimum seats aimed above them.
Best for generalist document collection on a small budget
Content Snare is an Australian horizontal document- and content-collection tool, best known among accountants, with excellent reusable request templates, automatic reminders and a clean client experience. If you want simple, affordable collection and don’t need anything mortgage-specific, it is arguably the easiest tool on this list to adopt.
The trade-off is the same as FileInvite’s, but further: nothing about it knows what a loan file is. Checklists, validation states and lender-ready packaging are yours to build by hand, and hosting/compliance options are AU/US-oriented rather than EU-first.
Want the full picture of how Dossia handles loan files? See the document collection software for mortgage brokers overview, or check pricing.
| Tool | Best for | Scope | Borrower account required | Region | Pricing model |
|---|---|---|---|---|---|
| Dossia | Document-collection bottleneck; EU/cross-border brokers | Document collection only (by design) | No — one private link | EU-hosted, works anywhere | Per broker seat; free 14-day POC |
| ARIVE | US independent brokers wanting POS + LOS | Full POS + LOS | Yes | US | Per user |
| BeSmartee | US lenders and larger broker shops | Full POS | Yes | US | Quoted / enterprise |
| Lendesk Finmo | Canadian brokers | Broker platform (application + docs) | Yes | Canada | Per user |
| BrokerEngine + FinanceVault | Australian brokers (AFG ecosystem) | Broker workflow + doc collection | Varies | Australia | Per user |
| FileInvite | Banks, credit unions, lending teams | Generic document collection | Portal login (typically) | NZ/US, global | Per user, tiered; upmarket |
| Content Snare | Generalist collection on a budget | Generic document/content collection | No — link-based | AU, global | Tiered plans |
Honest answer: if you are a US loan officer who actively uses the 1003 borrower application, e-signing and lender or credit integrations, Floify is doing several jobs at once, and replacing it means replacing all of them. None of the focused collection tools above — Dossia included — will give you a point-of-sale.
Switch only if one of the three pains is real for you: you are paying per-user POS prices for what is mostly document chasing, you operate outside the US mortgage process, or your borrowers stall in a portal that asks too much of them. If none of those apply, the cheapest move is staying put.
We set up your brokerage and checklist templates, and you run one real loan file through Dossia for 14 days — free. If it isn’t faster than your current portal, walk away.
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