Does it fit, and who buys it — in seconds.
AI that runs your matrix, your overlays and your investor grids on every self-employed scenario your brokers send. Portal, AE or LOS.
Approved is not the same as saleable.
Every scenario ends in one of four places. Three of them your desk already knows. The fourth is the one that costs you — a file that clears your matrix, gets worked, and finds no buyer.
A no you find in seconds costs nothing. A no you find in underwriting costs everything.
Two gates, answered in seconds.
Every broker scenario is two questions. Does it fit your box, and will a takeout buy it. Your desk runs both in two days. We run both off your credit box, in seconds.
- Program and doc type
- Max LTV / CLTV and FICO tier
- Occupancy, property type, units
- Credit event seasoning
- Reserves and DTI maximums
- Conditions to clear
- Which of your takeouts will purchase
- Which investor overlays bite
- Where an overlay caps below your own max
- Saleable as written, or exception
- Structures that also clear
- What to re-price if the first takeout passes
Your AEs already have the rate sheet. What they don't have is the answer.
Intake, engine, answer.
- Broker self-serves in your portal
- Or the AE asks on their behalf
- Or it runs on the file in your LOS
- Plain English, or a 1003
- AI trained on your matrix and program guidelines
- Your overlays and your exception history
- Your investor grids and their overlays
- Every line cited to its guideline section
- Fit or no fit, program and tier
- Max LTV and the conditions to clear
- Which takeout buys it as written
- What needs an exception, and why
The same AI answers in every channel, so the portal, the AE and the LOS never disagree.
The desk doesn't return an answer. It returns options.
A borrower has constraints before they have a loan — a closing date, cash they can part with, liquidity they need to keep. We return every structure that clears, ranked against what actually matters to them.
- LTV
- Standard
- Cash to close
- Moderate
- Doc friction
- High
- Risk
- Low
- LTV
- Standard
- Cash to close
- Moderate
- Doc friction
- Highest
- Risk
- Low
- LTV
- Highest
- Cash to close
- Lowest
- Doc friction
- High
- Risk
- Elevated
- LTV
- Standard
- Cash to close
- Low
- Doc friction
- Lowest
- Risk
- Liquidity floor
Four ways to close it, this morning. Your desk finds one, in two days.
Where each loan lands.
Every takeout is its own credit box. We keep every one of them current and score each scenario against all of them.
Same borrower, one answer per takeout. Your AE sees all of them before they pick up the phone.
Your credit box. Your thresholds. Your call.
- The AI is trained on your matrix, overlays, investor grids and exception history. Nothing generic
- Every answer cites the guideline section it came from. Nothing is a black box
- You set what the AI clears on its own and what escalates, and you can move that line at any time
- Your guidelines never train a model that answers another lender's scenarios
- When a guideline or an investor overlay changes, prior answers can be re-run on demand
- Every answer is logged. Any decision can be audited after the fact
The judgment that makes a hard file work lives in the edge cases, not the matrix. That is what we encoded.
Nothing to rip out.
Your LOS stays your system of record. We sit upstream of it, where the scenario happens — before a file exists.
- Portal, AE and LOS — the same answer in every channel
- No new system for brokers to learn
- No change to how a file gets submitted
Your LOS routes the file. We structure the loan.
We have underwritten this borrower.
Not a platform team learning non-QM from the outside. Thirty years of hard files in this channel, and the exception history to prove it.
Agency is a race to the basis point. Non-QM is a race to the answer.
What it does to your numbers.
More funded units per head. No new headcount, no new system.
One door for every exception.
Today it is an email thread — incomplete, waiting in an inbox, status unknown.
Request and documents in one form, with the fields credit actually needs.
Tested against your matrix and overlays before a person opens it.
Which takeouts have waived this before, and what it cost.
Straight to the credit authority who can sign it.
Outcome and reason logged, searchable by exception type.
Broker and AE see where it stands. No follow-up calls.
Your exception history is an asset.
Once the decisions sit in one place, the record answers what both desks estimate today.
Which exceptions your desk grants, by type — so an AE knows what to promise.
Route to the buyer who has paid for that exception before.
The record catches an uncleared overlay at lock, not at delivery.
Which exception types show up in loans that default early — in your book.
Credit and capital markets, reading the same record.
Send us twenty scenarios you've already answered.
We'll run them side by side — where we match your desk, where we're faster, and where we'd have found a takeout your team didn't.
No integration, no commitment, about a week.