AI-powered mortgage underwriting
Mort pre-underwrites the full loan file in minutes: every document read, every number verified, every condition written and cleared.
The messy file in
Auto-pulled from your LOS
The clean package out
Written back to your LOS
Every 1003 field verified and cross-checked
Conditions written, then cleared
Calculations shown, standard forms attached
Borrower requests drafted, ready to send
How it works
Connects to your LOS, pulls what's already there, and builds the doc list for this borrower and program.
→Reads every page — forms and narrative letters alike — checks each 1003 field against the documents, and recalculates what's wrong, showing its math.
→Reviews AUS findings, writes its own conditions beyond them, and drafts the borrower requests that resolve each — then clears them as documents land.
→A submission-ready package: every figure justified and cited, every condition cleared, synced to your LOS for sign-off.
Every figure carries a line-by-line justification, a citation to the source page, and the standard forms ready for review.
Your overlays, your past underwriting decisions, and the agency Selling Guides (FNMA, FHLMC, FHA, VA, USDA) — flagging the binding rule when they conflict.
Pulls from and writes back to the major LOS platforms. Use our point-of-sale or keep yours — no workflow rip-and-replace.
Product
✓ Works with the major LOS platforms✓ Use our POS or keep yours
On the files that bite
Scenario · 1003 + credit report show $550/mo in debts. AUS Approve/Eligible at 31.5% DTI. Will the file actually clear?
Reads every line of the bank statements against the 1003 + credit to surface child-support, IRS installment plans, and BNPL, then requests and reads each substantiating doc (decree, IRS installment agreement, account statement).
Scenario · The title commitment lists a solar UCC filing and an HOA. The appraisal notes an unpermitted addition and comps that skip the subject's condition rating. None of it is on the 1003.
Reads Schedule B exceptions against the 1003 and credit report — flags the solar lien for subordination or payoff, adds the HOA dues to the housing ratio, and checks the appraisal's condition/comp logic against agency requirements before the underwriter ever opens it.
Scenario · Earnest money landed outside the standard statement window. A gift letter is dated after the deposit. A wire came from an account the borrower never disclosed.
Reads each deposit against the GSE sourcing threshold, then reads the narrative behind it (gift letter, donor statement, transfer evidence, borrower LOE) and decides whether the chain holds: date ordering, donor-ability, undisclosed accounts. Each deposit lands a verdict before submission, not a generic condition.
Scenario · Schedule E shows ownership across three entities: an S-corp, an LP, and a sole-member LLC. Will the distributive share actually qualify?
Maps each entity and asks upfront for the missing K-1s, business returns, year-end balance sheet, and CPA liquidity letter. Reads the CPA letter itself: whether it explicitly attests to liquidity, business stability, and the borrower's continued access to distributions.
Outcomes
Fewer files die in conditions; more close on time.
Clean, annotated submissions mean underwriting signs off on the first pass, not the third.
Processors and LOs handle 2-3x more files without adding headcount.
Files move minutes after documents land — not whenever the underwriting queue gets to them.
Instant guidance on complex files; less reliance on tribal knowledge.
Rock-solid files with no surprise denials and no broken promises, so your referral sources stay yours.
A live session on a real loan. You'll see exactly what Mort catches.