How We Use AI in the Mortgage Process
Advanced technology that assists our licensed professionals—never replaces them
Our technology assists our team by collecting information, organizing documents, and matching borrower information to published mortgage guidelines. This means faster processing, fewer errors, and more time for our licensed professionals to focus on your unique situation.
Important to Know
- All loan advice, recommendations, and decisions are made by a licensed Mortgage Loan Originator
- Technology does not replace human review or judgment
- No loan is submitted or disclosed without licensed approval
Document Review
Reviewing uploaded documents for completeness
Program Matching
Identifying potential loan programs for consideration
Quality Checks
Flagging missing items or inconsistencies
Information Gathering
Collecting basic borrower information
Summary Preparation
Preparing summaries for licensed review
- MLO OnlyRecommend a loan program
- MLO OnlyReview exceptions or special circumstances
- MLO OnlyAnswer questions about loan suitability
- MLO OnlyIssue disclosures
- MLO OnlySubmit a loan to a lender
- MLO OnlyApprove final loan terms
Every borrower works with a licensed professional who reviews the file, answers questions, and confirms the best path forward based on the borrower's goals and qualifications.
Borrower Enters System
AI-assisted intake & document upload
Data Extraction & Guideline Mapping
AI extracts information and matches to published guidelines
Escalation Check
System checks for complexity triggers that require immediate MLO review
Educational Options Presented
Borrower reviews potential paths (non-binding)
MLO Review Required
Licensed professional reviews, approves, modifies, or rejects
Disclosures or Submission Authorized
Only after human approval
Clear Authority Line
Licensed MLO = decision-maker. AI = assistive tool. This distinction is absolute.
Mandatory Escalation Gates
Hard stops and file locks ensure complex cases get immediate human review.
Complete Audit Trail
Named human, timestamped approvals, and documented rationale for every decision.
Fair Lending Commitment
AI-assisted workflows are monitored and reviewed to ensure compliance with all fair lending laws.
Tool Classification: Our AI Assistant is classified as an internal decision-support and workflow automation tool. It is not used to independently determine borrower eligibility or creditworthiness.
Sarah M. - Self-Employed
"The AI helped organize my bank statements in minutes. My MLO reviewed everything and I closed in 18 days."
Michael T. - Real Estate Investor
"I uploaded my rental income docs and got matched with 3 DSCR lenders instantly. Real person confirmed the best option."
Jennifer L. - First-Time Buyer
"I was nervous about AI, but my loan officer walked me through every step. Technology made it faster, not impersonal."
Video testimonials coming soon. These borrowers have agreed to share their experiences on camera.
Important Disclosure: Any rates, payments, or costs shown by our AI tools are estimates for educational purposes only and are not binding until disclosed and approved by a licensed Mortgage Loan Originator. Licensed MLO decisions supersede all AI-generated outputs, recommendations, scores, or flags.