Every MMI One seat includes MonitorBase monitoring from day one. This article explains what alert types are available, what they watch, and how to think about the two tiers.
Two Tiers of Alerts
MMI One gives you access to two tiers of MonitorBase monitoring: Base Alerts, included with every seat, and Opportunity Intelligence (OI) Alerts, available as a paid upgrade.
Base Alerts monitor property-level signals. OI Alerts go deeper, into credit behavior and competitive activity. Most organizations start with Base and upgrade to OI once they've seen the model work.
Base Alerts — Included with Every MMI One Seat
Three alert types that monitor property-level data. No credit access required, no compliance onboarding, no additional cost per alert. The only cost is the Bonzo tokens consumed when an automated campaign sends.
Monitoring begins as soon as contacts are enrolled.
| Alert | What It Watches | The Conversation It Opens |
|---|---|---|
| Property Listing | A contact's home hits the market | Get ahead of the purchase or relocation conversation before anyone else |
| Property Equity | Equity position crosses a meaningful threshold | HELOC, cash-out refi, debt consolidation — "Your equity has reached a point where you have options" |
| MI Removal | FHA or Conventional loan reaches the threshold to drop mortgage insurance | "You could save $$$ monthly by removing MI" — easy savings for the borrower, easy conversation for you |
When any of these alerts fires, Bonzo automatically routes the contact into the MonitorBase pipeline and triggers a campaign — SMS, email, and LO task sequences — without any manual action on your part.
Opportunity Intelligence Alerts — Paid Upgrade
Five alert types that monitor credit-level data. Where Base Alerts watch what's happening with a contact's property, OI Alerts give you a window into their full financial picture.
Every OI Alert also surfaces Credit Liability Information — the contact's complete debt profile (credit cards, auto loans, student loans, other mortgages) — so you can build a debt exit strategy before you ever pick up the phone.
| Alert | What It Watches | Why It Matters |
|---|---|---|
| Instant Inquiry | A contact pulls credit elsewhere — actively shopping with a competitor | Know within minutes. A high-urgency Bonzo campaign fires automatically so you can reach them before anyone closes. |
| Home Buyer | Behavioral signals that a contact is actively looking to buy | Catch purchase intent early, before they've talked to another lender |
| Cash Out | Equity + debt and credit behavior suggests a cash-out refi | Present a specific consolidation strategy using their full liability picture |
| Rate & Term | Current mortgage rate is above market, with net benefit based on loan type | The bread-and-butter refi conversation, triggered at exactly the right moment |
| HELOC | Equity profile and credit behavior suggests a HELOC opportunity | Fast close, strong equity play — and establishes permissible purpose for future monitoring |
Important — Instant Inquiry: This is the only alert that requires a prior transaction on record, meaning you must have handled the contact's most recent closed loan. MonitorBase manages this compliance requirement automatically — you don't track it manually.
Activating OI Alerts
OI is not a self-serve toggle. Two things need to happen before credit monitoring goes live:
Compliance onboarding — A one-time setup process that ensures your monitoring is FCRA-compliant and permissible purpose is tracked correctly across your contact database. This happens before any OI alerts are active on your account.
Billing confirmation — OI Alert billing through MMI One is expected around May–June 2026. If you're onboarding before then, your billing structure may differ from the eventual standard model. Your account team will walk you through current pricing at upgrade time. You can set per-alert spending limits to stay within budget.
To get started, reach out to your MonitorBase CSM or MMI One account team.
What You're Getting with MMI One
MonitorBase monitoring is included in your MMI One seat because passive database attrition is one of the biggest silent revenue leaks in mortgage. Past clients move, pull credit, list their homes, and refinance with someone else — not because they chose a competitor, but because no one was watching and no one reached out first.
Base Alerts change that dynamic from day one. Property Listing, Property Equity, and MI Removal alerts cover the three most common reasons a past client transacts without their original LO ever knowing. And because the Bonzo integration handles the follow-up automatically — campaign triggers, SMS, email, task sequences — your team captures those opportunities without adding to anyone's workload.
The practical result: your existing database starts working for you. Contacts you closed two or three years ago become active pipeline again, without prospecting spend and without manual list management.
When you're ready to go further, Opportunity Intelligence Alerts extend that same logic into credit behavior — competitive inquiries, purchase signals, refi indicators — giving you visibility into intent before it becomes an application somewhere else. Each loan you close from a Base Alert conversation also adds that contact to your pool of credit-monitorable contacts, so by the time you upgrade to OI, you already have a larger qualified database ready to go.