--- title: "CourtImmo - SaaS Platform for Mortgage Brokers" description: "A SaaS platform for mortgage brokers, automating workflows from loan case management to bank submission with AI." locale: "en" canonical: "https://portfolio.josedacosta.info/en/achievements/courtimmo-plateforme-courtage" source: "https://portfolio.josedacosta.info/en/achievements/courtimmo-plateforme-courtage.md" html_source: "https://portfolio.josedacosta.info/en/achievements/courtimmo-plateforme-courtage" author: "José DA COSTA" date: "2025" type: "achievement" slug: "courtimmo-plateforme-courtage" tags: ["Next.js 16", "React 19", "TypeScript 5.9", "Prisma 7", "PostgreSQL 16", "Better Auth", "AI SDK", "Tailwind CSS 4", "Terraform", "Docker", "Traefik", "Vitest"] generated_at: "2026-04-23T15:48:46.276Z" --- # CourtImmo - SaaS Platform for Mortgage Brokers A SaaS platform for mortgage brokers, automating workflows from loan case management to bank submission with AI. **Date:** 2025 - 2026 **Role:** CTO & Co-Founder (ACCENSEO) **Technologies:** Next.js 16, React 19, TypeScript 5.9, Prisma 7, PostgreSQL 16, Better Auth, AI SDK, Tailwind CSS 4, Terraform, Docker, Traefik, Vitest ### Key Metrics - Lines of Code: **-** - TypeScript (666 .tsx + 580 .ts) - Applications: **-** - 7 Next.js 16 apps - DB Models: **-** - 15 modular Prisma files - Planned Integrations: **-** - Stripe, Resend, Neon... ## Presentation _A digital revolution for mortgage brokerage_ ### Nature Multi-application SaaS platform (monorepo) - 7 distinct web applications + 14 shared packages, covering the entire mortgage brokerage workflow. ### Domain Finance / Real Estate - mortgage brokerage, borrower insurance, credit consolidation, professional loans. Compliance with ORIAS, GDPR, and HCSF usury rate regulations. **Overview:** CourtImmo is a professional SaaS platform designed to transform the daily work of mortgage brokers in France. It puts at brokers disposal a complete digital toolbox - loan case management, financial simulations, CRM, compliance monitoring - all powered by artificial intelligence to automate repetitive tasks like document data extraction or borrower information collection. Built as a Turborepo monorepo with 7 distinct Next.js 16 applications and 14 shared packages, it replaces the manual paper-based processes that still dominate the brokerage sector. Target customers are mortgage brokers and insurance professionals (B2B) and borrowers via a client portal (B2C). **Content:** CourtImmo is a multi-application SaaS platform (monorepo) dedicated to French mortgage brokers. It covers the entire brokerage workflow: loan case intake, borrower document collection, bank submission automation, insurance comparison, and commercial CRM. The platform is built as a 7-application monorepo with 14 shared packages, spanning 211,400 lines of TypeScript code, 98 Prisma models, 89 API routes, 172 pages and 108 UI components. It is designed for compliance with ORIAS, GDPR and French HCSF usury rate regulations. Core ambition: automate the 80% of repetitive work in mortgage brokerage (document checks, amortization simulations, bank form filling) so brokers focus on high-value advice and client relationship. **Nature:** Project Nature **Domain:** Business Domain **Scope:** Functional Scope **Scope Features:** Loan Case Management: create, track, archive loan cases with full lifecycle management. AI-Powered Client Portal with "Zero Entry" mode that auto-extracts data from documents via AI. Simulation Tools: borrowing capacity, installments, PTZ, notary fees, insurance. Commercial CRM: sales pipeline, prospect management, contracts, demo booking. SaaS Administration: subscriptions, billing, feature flags, AI supervision, RBAC. Centralized Auth Hub: SSO, MFA (TOTP, WebAuthn, backup codes), magic link, phone auth. **Users:** Target Users ## Objectives, Context, Stakes & Risks _Understanding the strategic vision behind the code_ **Risks Detail:** Identified risks: AI Costs - Multiple AI providers (Mistral, Anthropic, OpenAI, Google) requiring fine-grained cost monitoring and versioned prompts. ORIAS & ACPR Compliance - Every broker must be registered with ORIAS and supervised by the ACPR; the platform must verify registration status and display mandatory legal information. Usury Rate & HCSF Rules - Simulations must respect the quarterly usury rate published by Banque de France and the HCSF 35% debt-to-income cap. DCI & Pre-Contractual Obligations - Mandatory generation of the ESIS (European Standardised Information Sheet), duty to advise with written justification, and anti-money laundering (AML/KYC) verification for every loan case. Document Retention & Destruction - AML/KYC records must be kept 5 years (art. L.561-12 CMF), accounting documents 10 years, ESIS and duty-to-advise reports for the loan duration + 5 years. GDPR & Financial Data Protection - Processing income, assets and family data at scale requires a mandatory DPIA (art. 35 GDPR), encryption at rest and in transit, role-based access control, and implementation of access, portability and erasure rights for borrowers. EU Hosting & Data Sovereignty - GDPR (art. 44-49) requires hosting within EU/EEA for financial data; French hosting strongly recommended by ACPR especially after the Schrems II ruling. LCB-FT / KYC & Tracfin - Brokers are subject to anti-money laundering obligations (art. L.561-2 CMF): client identity verification, PEP detection (Politically Exposed Persons), ongoing vigilance, and suspicious transaction reporting to Tracfin. Audit Trail & ACPR Controls - The ACPR can conduct on-site inspections (art. L.612-24 CMF); the platform must maintain timestamped logs of every action kept for a minimum of 5 years. **Content:** The French mortgage brokerage industry is highly regulated (ORIAS registration required) and still relies heavily on manual workflows: paper documents, fax bank submissions, spreadsheet simulations, email-based communication. Small brokerages lose 40-60% of time on administrative tasks instead of client advisory. CourtImmo is a co-founding venture with a brokerage client: ACCENSEO (my CTO consultancy) provides the technical platform and architecture, while the partner broker contributes domain expertise, regulatory knowledge, and first-customer validation. The business model combines SaaS subscription for the platform and revenue share on commissions. Key stakes: regulatory compliance, bank partnerships (15+ planned integrations with French banks via open banking APIs), data security for sensitive financial documents, scalability to serve multiple brokerages as multi-tenant SaaS. ## The Steps - What We Do _A concrete, phase-by-phase journey through the build_ **Content:** Phase 1 (Q1 2025) - Technical foundations: Turborepo monorepo, 7 Next.js 16 apps (broker, admin, client portal, auth hub, marketing, docs, design system), 14 shared packages, Prisma PostgreSQL (Neon) with 98 modular models, Better Auth for SSO. Phase 2 (Q2-Q3 2025) - Core flows: loan case management (intake, document collection, status tracking), simulation tools (amortization, rate comparison, insurance quotes), and commercial CRM (contacts, pipeline, commissions). Phase 3 (Q4 2025-Q1 2026) - Bank integrations and automation: connecting to French banks via open banking and document submission APIs, AI-assisted document classification and completion, and automated regulatory compliance checks (HCSF usury, debt ratio). Phase 4 (2026) - Multi-tenant SaaS launch: onboarding multiple brokerages, billing (Stripe), email notifications (Resend), first commercial customers. ## The Actors - Interactions _ACCENSEO team in co-founding with a brokerage client_ **Content:** ACCENSEO side: José DA COSTA (CTO & Co-Founder) leads technical vision, architecture and full-stack development. The team includes 2 apprentice developers (front-end and back-end) and occasional freelancers for specific skills (ML, UI design, legal review). Partner side: a mortgage broker co-founder who contributes domain expertise, regulatory knowledge (ORIAS, HCSF), first-customer validation and commercial relationships with French banks. External providers: Neon (managed PostgreSQL), Stripe (payments), Resend (transactional email), Vercel/OVH (hosting), legal counsel for ORIAS compliance, and external UI/UX review. ## Results _Measurable impact for the project and personal growth_ **Content:** Technical outcomes: a 211K-line codebase with 89 API routes, 98 Prisma models and 108 UI components delivered in under 12 months. Architecture stabilized on Next.js 16 RSC, Turborepo caching, Prisma Accelerate. Personal outcomes: progressed from technical lead to CTO of a real venture with customer commitments and regulatory responsibilities. Learned ORIAS registration, open banking (DSP2), and French HCSF usury rate compliance. Built a durable working relationship with a business co-founder from outside the tech industry. Business outcomes: first brokerage client in pilot, partnership with 3 banks signed, ORIAS ready for commercial launch in Q2 2026. ## Project Roadmap _What we are building next_ **Content:** Q2 2026: commercial launch with 3 broker cabinets. AI document automation for debt ratio and usury compliance. Native mobile app for on-the-go brokers. H2 2026: expansion to 15+ bank partnerships, French market consolidation, targeted marketing. 2027: European expansion starting with Belgium (similar regulatory framework) and Portugal. Launch of sister product for insurance brokers. ## Critical Reflection _Honest retrospective on strengths, weaknesses and lessons learned_ **Content:** Strengths: building on a solid technical stack (Next.js 16, Prisma, Turborepo) accelerated velocity. Co-founding with a domain expert avoided building a product nobody needs. Modular monorepo enables parallel development by different apprentices on different apps. Weaknesses: underestimating regulatory depth (ORIAS, HCSF, DSP2) added 2-3 months of legal consultation. Bank integrations are slow - each bank has its own submission API and contract, not standardized. Team scale is small for the scope; need to grow carefully. Lessons: in a regulated industry, engage legal counsel from week 1, not when you hit a blocker. Co-founding with business expert is the single best risk mitigation for early-stage ventures. Prefer modular monorepo over microservices for small teams - complexity cost of microservices is not justified below 20 engineers.