If you've originated loans for any length of time, you know the feeling. It's 4 PM the day before closing, and you're still waiting on the insurance binder. You've sent three follow-up emails to the borrower. They've left two voicemails with their broker. And your entire closing timeline hangs in the balance.
Insurance shouldn't be this hard. But for too many lenders, it's become one of the biggest sources of last-minute delays and failed closings.
Today, we're excited to announce Baseline and Obie are partnering to bring insurance directly into your loan origination workflow.
The Insurance Problem
Let's be honest about what typically happens with insurance in the loan origination process:
Borrowers procrastinate. Shopping for insurance isn't at the top of anyone's priority list. Most borrowers wait until the last possible moment to start the process, leaving little margin for error.
Coverage gets miscommunicated. Even when borrowers do reach out to their broker early, requirements often get lost in translation. The binder that arrives doesn't match what you need, and now you're scrambling to get it corrected.
Everything happens in email. You're tracking insurance through forwarded emails, CC chains, and attachments buried in threads. There's no visibility into where things stand until it's too late.
The result? Deals that should close smoothly end up delayed, or worse, fall apart entirely.
A Better Way Forward
The Baseline + Obie integration changes this dynamic completely.
Now, lenders using Baseline can invite their borrowers to purchase insurance directly through their borrower portal. It's a seamless experience that takes minutes.
Here's what the experience looks like:
For lenders: You activate the Obie integration in Baseline and invite your borrowers to your branded portal – the same secure portal they use to provide everything else to lenders. The insurance request appears in their borrower portal alongside their other requirements.
For borrowers: They click into the insurance request, answer a few quick questions, and get matched with a policy from Obie. No phone calls (unless they want to speak to someone). No back-and-forth. No confusion about what's needed.
Why This Matters
This isn't just about convenience, though it certainly makes life easier for everyone involved. It's about mitigating risk and removing one of the biggest points of friction in the loan process.
When insurance is this simple, borrowers take care of it earlier. When coverage requirements are clear and easily available, you get the right binder the first time. And when everything lives in one system, nothing falls through the cracks.
The result is fewer delays, fewer failed closings, and a better experience for your borrowers.
Getting Started
If you're already using Baseline, enabling the Obie integration is simple. Just reach out to your account manager, and they'll get you set up.
Not using Baseline yet? Now's a great time to see what a modern loan origination system can do for your business. Book a demo to learn more about how Baseline can streamline your entire workflow, from application to closing.
About Obie
Obie is a leading provider of insurance solutions for real estate investors and landlords, offering fast, reliable coverage that meets lender requirements.
About Baseline
Baseline is a loan management platform built for today's private real estate lenders. Operating nationwide, Baseline empowers lenders to love their work through intuitive, beautifully designed systems that accelerate the flow of capital to real estate investors transforming communities.
