Mortgage Clarity is client presentation software that helps mortgage advisors turn their numbers into a workspace borrowers understand.
Founded in August 2026 by Christian Kosko, a loan officer with more than 11 years of origination in the DC, Maryland and Virginia market. Advisors using Mortgage Clarity closed over $380 million in loans in the past 12 months.
What Mortgage Clarity does
Strategies that build themselves
Describe the deal out loud or type it, and two or three loan structures come back side by side with taxes, insurance, MI and title fees applied. You spend the call advising instead of calculating.
A client workspace instead of a PDF
The borrower gets one link with interactive cards they can change themselves, a recorded walkthrough in your voice, and a timeline everyone on the deal can see. It stays open for years after closing.
Clarity Pilot
An assistant beside every screen that looks up clients, builds the next strategy and proposes the change. Nothing edits itself, and nothing reaches a client until you publish.
Taxes, title and prorations, filled in
Property taxes and HOA dues pull by address anywhere in the country. Title and recordation fees come from a live quote, and reserves, prorations and prepaid interest calculate from the settlement date.
Condo Review
Drop in the condo package and every page is read against the agency rules for the application date. You work through the findings and release a sheet the agent can hand to a seller.
Studio
Record a walkthrough of a workspace once and get a finished video back, cut and zoomed, sized for social, your website or a client. One take also makes a 60 second vertical.
Refi Radar
Your closed book is watched every night against a strike rate for each client. When one crosses, the refinance strategy is already built and waiting.
Agent partner workspaces
Every real estate agent you work with gets a live view of their buyers, program playbooks and condo lookup. They see where their buyers stand without calling you.
What makes Mortgage Clarity different
Built by a loan officer who still originates
Christian has originated loans in the DMV for more than 11 years and still originates with it. Every feature exists because a real borrower conversation needed it.
The math never comes from AI
Payments, amortization, breakeven, prorations and closing costs come from a tested calculation engine. The AI helps you build and explain; it never produces a number on its own.
Your client keeps it after closing
A proposal ends when the loan funds. The client workspace keeps running for years, with rate watch and a refinance strategy ready when the numbers make sense, so you stay the advisor of record.
Month-to-month, cancel anytime
Pay monthly and cancel whenever you like, or pay annually and get two months free. Cancelling pauses the account and deletes nothing.
Who uses Mortgage Clarity
Your clients plan their retirement on a financial advisor’s platform, trade from an app, and watch their net worth update in real time. Then they take out the largest loan of their life and get a PDF. Mortgage Clarity brings the mortgage experience up to the standard of the rest of their financial life, and puts the advisor at the center of it.
- Loan officers who want to give clients the kind of modern platform their financial advisor and brokerage already give them
- Producing teams and branches that want every loan officer presenting at that standard
- Lenders and banks bringing the borrower experience up to what clients expect today
- Real estate agents partnered with those advisors, who want to see where their buyers stand
Borrowers do not sign up. They are invited by their advisor.
The team behind Mortgage Clarity
Christian Kosko
Founder, Platform Architect
Christian Kosko has originated mortgages in the DC, Maryland and Virginia market for more than 11 years, and still does. He founded Get Mortgage Clarity, Co in August 2026 and designs the platform himself.
The company is solo founded and based in Washington, DC.
How it started
The technology Christian originated on was ahead of its time ten years ago. It has since fallen far behind what clients expect, when their financial advisor hands them a planning platform and their brokerage app shows every position in real time.
Most of the industry still explains a mortgage with spreadsheets and PDFs. Borrowers come away confused, and that confusion works in the lender’s favor, not the borrower’s. Mortgage Clarity is the platform he wanted to hand his own clients: every number made clear, in a workspace they keep.
In October 2026 Mortgage Clarity joined the Anthropic Startup Program. Clarity Pilot, the assistant inside the platform, runs on Claude.
Four things that decide what gets built
Education before promotion
If a screen does not teach the borrower something, it has not earned its place in the product.
Show the impact, not just the math
Numbers are the proof, not the point. Every calculation has to translate into what it means for the borrower’s life.
The honest answer, including no
A tool that only ever recommends transacting is a sales script. Clarity is built to say when a refinance does not make sense.
Compliance is not a feature flag
Licensing detail, disclosures, and data handling are structural. They are not something an advisor has to remember to add.
How Mortgage Clarity works
Request an invite
Mortgage Clarity is invite only for now. Request founding member access and invitations go out in order; founding members keep founding pricing.
Four weeks of onboarding with the founder
Christian runs a personalized four-week onboarding for every new account, set up around how you already work, so your first client workspaces go out with your numbers and your name on them.
Same-day answers
Email christian@mortgageclarityplatform.com or sales@mortgageclarityplatform.com and you hear back the same day, from a person.
Monthly or annual, your call
Month-to-month with no contract, or annual with two months free. Plans and seats are on the pricing page.
Key facts
- Company name
- Mortgage Clarity (Get Mortgage Clarity, Co)
- Type
- B2B software (SaaS) for mortgage advisors
- Founded
- August 2026
- Headquarters
- Washington, DC
- Core offering
- Side-by-side loan strategies and an interactive client workspace that stays open after closing
- Services
- Strategy builder, client workspace, Clarity Pilot, tax, title and proration automation, Condo Review, Studio, Refi Radar, agent partner workspaces
- Contract terms
- Month-to-month, cancel anytime, or annual
- Onboarding
- Personalized four-week onboarding with the founder
- Communication
- Email, same-day response: christian@ or sales@mortgageclarityplatform.com
- Customers served
- Mortgage loan officers, teams, branches and lenders in the United States
- Results
- Advisors using Mortgage Clarity closed over $380 million in loans in the past 12 months, as of October 2026.
- Availability
- Invite only; founding member access at /vip
- AI
- Clarity Pilot runs on Claude by Anthropic; member of the Anthropic Startup Program
- Comparisons
- How Mortgage Clarity compares to other tools
Frequently asked questions
Who is Mortgage Clarity for?
Licensed mortgage loan officers, producing teams, branches and lenders in the United States. Real estate agents who partner with those advisors get their own workspace.
Is Mortgage Clarity a loan origination system or a pricing engine?
No. It sits between your pricing engine and your client and does not originate, price or underwrite loans. It is the layer that makes a borrower understand why one option beats another.
Can borrowers sign up?
No. Borrowers are invited by an advisor who already has an account, and they open their workspace from the link the advisor sends.
Does the AI do the math?
No. Every payment, breakeven, proration and closing cost comes from a tested calculation engine. Clarity Pilot, which runs on Claude by Anthropic, builds and explains; you approve every change.
How much does it cost, and is there a contract?
Originate is $189 a month and Retain is $289 a month, with custom Branch pricing for lenders. Pay month-to-month and cancel anytime, or pay annually and get two months free.
How long does onboarding take?
Four weeks. Christian runs a personalized onboarding for every new account, built around how you already work.
Does it work outside DC, Maryland and Virginia?
Yes. It works for advisors anywhere in the United States, and property tax lookups run on any U.S. address. Local tax calendars for prorations are live in DC, MD, VA, WV, NC, SC and FL, with more states added as each is verified.
Who founded Mortgage Clarity?
Christian Kosko, a loan officer with more than 11 years of origination in the DC, Maryland and Virginia market, founded it in August 2026. He still originates loans and designs the platform himself.
Reach the right person
Sales & demos
Pricing, enterprise rollouts, and vendor diligence packets.
sales@mortgageclarityplatform.comWould rather see it than read about it? Book a walkthrough on a real scenario of yours.
See a personalized demoGive your clients clarity.
The advisors who explain best get remembered best. Mortgage Clarity is invite only for now, and founding members are invited first.