AI / Verified™

From application to pre-approval in minutes.

Analyzes income, assets, and credit. Structures the loan. Finds the right product. Runs AUS. Reviews findings. Issues lender-authorized pre-approvals on eligible applications.

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DualDU and LPA analysis
Onequalification summary
Citedrules and findings
Humanexceptions escalated
THE PRE-APPROVAL SYSTEM

From 1003 to a lender-authorized pre-approval.

  1. 01Application Review
  2. 02Income / Asset / Credit Analysis
  3. 03Loan Structuring
  4. 04Product Eligibility
  5. 05PPE Pricing
  6. 06Dual AUS
  7. 07Document Validation
  8. 08Pre-Approval Decisioning
  9. 09Certified Pre-Approval
BUILT FOR THE WORK

Verified™ AI Pre-Approval,
connected to Genius.

A junior loan officer and pre-approval specialist for every producer, operating within lender-defined rules and escalation paths.

01

Application review

Review the 1003 for completeness, inconsistencies, missing information, and facts that need clarification before qualification.

02

Income analysis

Calculate qualifying income from W-2s, paystubs, tax returns, K-1s, 1099s, rentals, bonus, overtime, commission, and self-employed income.

03

Asset analysis

Verify funds to close, reserves, gift funds, large deposits, retirement assets, and eligible sources.

04

Credit review

Evaluate liabilities, monthly obligations, credit events, inquiries, mortgage history, and potential qualification issues.

05

Loan structuring

Determine a suitable structure from borrower goals, LTV, DTI, credit, assets, property type, and eligibility.

06

Product eligibility

Identify eligible Conventional, FHA, VA, USDA, Jumbo, Non-QM, and other lender-available programs.

07

Pricing integration

Bring in PPE results and compare the economics of eligible products to support a cost-effective recommendation.

08

Scenario optimization

Test down payments, debt payoffs, amounts, products, and structures to improve qualification or meet borrower goals.

09

Dual AUS

Run DU and LPA where applicable, then compare findings, documentation requirements, and the resulting path.

010

AUS interpretation

Translate findings into specific documentation, conditions, risks, and next actions instead of leaving the LO to decode them.

011

Pre-approval decisioning

Determine whether the application satisfies lender-defined eligibility and readiness criteria for pre-approval.

012

Certified pre-approval

Generate the lender-authorized pre-approval or Certified Approval Letter when defined criteria and required reviews are satisfied.

013

Document validation

Verify that submitted evidence supports the income, assets, credit, and application data used in qualification.

014

Condition identification

Identify upfront documents, explanations, and issues that should be resolved before the file moves into full underwriting.

015

Guideline knowledge brain

Apply agency guidance, government-program rules, lender products, and investor overlays when analyzing and structuring the loan.

016

Exception escalation

Route complex, uncertain, unsupported, or ineligible scenarios to the loan officer or underwriter with the relevant evidence and rule.

017

LO recommendation

Give the LO one concise view of qualification, recommended structure, AUS results, risks, missing items, and the next action.

HOW IT WORKS

Support at every step.
Control where it counts.

  1. 01

    Analyze the borrower

    Verified™ reviews the 1003, calculates income, analyzes assets and credit, and validates the available evidence.

  2. 02

    Build the best eligible scenario

    It applies guidelines, tests structures, identifies products, compares PPE results, and runs DU and LPA where applicable.

  3. 03

    Recommend, issue, or escalate

    It summarizes qualification and risks, generates lender-authorized pre-approval documents when defined criteria are met, and sends exceptions to the LO or underwriter.

Verified™ / GENIUS

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