AIOS solutions
Between approval and closing, a loan waits on paper: a pay stub, two months of bank statements, a letter of explanation, the insurance binder. Processors spend their days chasing it, checking it and logging it. AIOS learns how your best processors work a conditions list and runs it, and leaves the credit decision with your underwriters.
Once a loan is approved with conditions, the work has the same shape on every file: know what is still outstanding, ask the borrower, the employer or the title company for it at the right moment, check what comes back against what was asked for, and record it on the loan. It is judgment applied to a checklist.
AIOS workflows take that shape. They start on their own when a condition is added or a borrower goes quiet, and they run again on a schedule, following up on the file until every condition is cleared or a person needs to step in.
In mortgage work AIOS gathers, checks and chases. Whether a borrower qualifies is not its call. Anything that bears on it, such as income that does not match the application or a large deposit that needs explaining, goes to an underwriter with the documents attached and the discrepancy named.
When an examiner, an investor or your quality-control team asks why a file was conditioned and cleared the way it was, every request, response and sign-off is in an append-only ledger, attached to the run that produced it.
The workflow that works the file can also send and receive the text and place or answer the call, using the same rules and the same record of what was already asked. A borrower who asks what is still needed gets the current list, not a promise of a callback.
Every call and text is an action like any other: checked against your policy before it goes out and recorded after.
AIOS works on top of the systems you already run and keeps a record of every call it makes into them. Where a loan origination system or pricing engine has no ready-made connector, AIOS connects through its API or database, or Nightshift autonomously builds the connector. Your data stays isolated in your tenant, no model is retrained on it, and AIOS can run in your own cloud.
Conditions chase.
Works the outstanding conditions on each file, asks the borrower for each document at the right time, and follows up on each scheduled run until every condition is cleared.
Document check.
Checks what comes back against what was asked for, such as the right months of statements, every page and a signature where one is needed, and explains plainly what is still wrong.
Verification follow-up.
Chases employers for verification of employment, and title and insurance agents for what the file is waiting on.
Borrower status.
Tells a borrower by text or phone what is still needed and what happens next.
Expiry watch.
Notices when a rate lock, a credit report or an appraisal is close to expiring on a loan that has not closed, and brings in the loan officer while there is still time to act.
Work that follows a loan from approval to closing: chasing conditions, checking documents, verification follow-up, borrower status updates, and watching for locks and documents that are about to expire. The right first process is the one your processors would most like to stop doing by hand.
No. In mortgage work AIOS is set up to gather, check and chase. Anything that bears on whether a borrower qualifies goes to an underwriter with the documents and the discrepancy attached, and their decision is recorded with the run.
AIOS has ready-made connectors for more than 100 systems. Where a loan origination system has none, AIOS connects through its API or database, or Nightshift autonomously builds the connector. There is no migration: AIOS works on top of your systems.
Every action, input and output is written to an append-only ledger, so for any file you can show what was requested, what came back, who signed off and when.
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We embed until it works, then you pay for what worked. Bring the process you would most like to stop staffing.