The AI mortgage platform.Already live on real loans.

Momentum Mortgage cuts loan costs by 40% on a $2.2 trillion market. The platform is live, generating revenue, and raising $7M before the priced round.

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Confidential. Accredited investors only under Regulation D 506(c). Not an offer to sell or solicitation to buy securities.

The Opportunity

Here is How We Do It – and why that matters to investors.

Most AI companies raise on a deck. Momentum Mortgage is raising on a live product already running on real loans across 8 states.

A Real Platform, Not a Prototype

Momentum Mortgage is a U.S.-licensed AI-native brokerage already live and originating, built by a founding team that has originated $500M+ over a 20+ year career. Founded in 2025, this is a live operating business, not a pilot.

A Structural 40% Cost Advantage

The industry spends about $11,800 per loan. Momentum Mortgage targets $6,500 – a 40% structural advantage built into the AI architecture from scratch, not retrofitted onto a legacy system.

A $7M Round Before the Priced Round

The platform is raising $7M under Reg D 506(c) ahead of a priced Series A. Investors come in now at the best terms available, with a clear path to a priced round as scale kicks in.

Why Now

Why Momentum Works for investors right now.

Three forces converging at the same moment, and one platform positioned to capture all of them.

Already Live

Pre-approval in under 3 minutes from a phone. Live on real loans. 8 states, 24 lender partnerships. This is not a pre-revenue concept.

Built for Investors

Our AI connects real numbers with real loan paths. You see actual traction – not a rate teaser to get you on a call.

Named Operator Leadership

John R. Clark Jr. – 20+ years of mortgage experience – built every layer of the stack. The AI runs on his operational expertise, not a job posting.

Plain Numbers

$502M projected DCF valuation. 2.03x target MOIC. 15% annualized ROI. $7M raise. No hidden fees, no vague upsides – every term is in plain language before you sign anything.

The Platform

See what investors are actually backing.

This is the same AI mortgage platform live on real loans today – pre-approval, document intake, and loan-path guidance, all from a phone.

Want to see it live? Schedule a call for a walkthrough, or reach out directly at [email protected].

The Raise

$7M round. Before the priced round.

Regulation D 506(c), accredited investors only. Early investors come in at SAFE terms ahead of the Series A.

Total Raise

$7,000,000

Structure

Preferred Series A/B Non-Voting Membership

Investor Return

15% annualized ROI

Equity Upside

7% equity; 20%+ for equity participants

Exemption

Reg D 506(c)

Eligibility

Accredited investors only

DCF Valuation

~$502M projected

Target MOIC

2.03x

Flexibility ($1M+)

All equity, all ROI, or blended

Use of Proceeds

65%

Sales & Marketing

20%

Working Capital

15%

Technology

Materials

Everything you need to evaluate the opportunity.

All documents are confidential and for accredited investors only.

Investor Pitch Deck

Full narrative, market, traction, team, and investment thesis.

PDF

Executive One-Pager

Quick summary of the opportunity, team, and raise terms.

PDF

Short Investment Memo

Market, financials, competitive advantage, and full offer terms.

PDF

Investor FAQ

Answers to common questions on structure, returns, and the product.

PDF

Live Platform Walkthrough

See the AI platform in action – link coming soon.

Soon

The Team

You Are Not Just a Check Number.

At Momentum Mortgage, you work directly with the operators who built the platform – not a fund manager you never meet.

John R. Clark Jr.

CEO & Founder

20+ years in mortgage, 12+ years in finance advisory. Built the full operating stack: Momentum Mortgage, Radical Restoration, Solution Providers, and Legacy Title. His operating knowledge is embedded in the AI – not held in one person's head.

Ashley Clark

EVP Origination

Leads national sales, borrower acquisition, and LO production. Building and scaling both the direct-to-consumer channel and the indirect referral partner network across all active states.

Corrie Lawson

EVP Operations

Runs multi-state licensing, compliance, and day-to-day operations. Keeps the platform operating cleanly across 8 licensed states with a pipeline of additional licenses in progress.

Wingfield Financial – The Credibility Layer

Wingfield Financial is the operating platform behind Momentum Mortgage, spanning mortgage, restoration, title, and investor financing. Fund I has paid investors fixed annual returns stepping from 10% to 12% since 2023.

Next Steps

Ready to take a closer look?

Schedule a call to see the live platform, review the full offering documents, and discuss participating before the round closes.

Schedule a Call

Or email directly: [email protected]

Confidential. For accredited investors only. Not an offer to sell or solicitation to buy securities. Any offering is made solely through official offering documents. All projections, including target MOIC and projected valuation, are forward-looking and not a guarantee of future results. © 2026 Momentum Mortgage / Wingfield Financial.