SOLUTIONS
One Platform Across the Entire Loan Fulfillment Lifecycle.
See how the MOZAIQ platform puts an AI-powered mortgage assistant alongside your processing, underwriting, and post-close teams — transforming how you originate, underwrite, close, and deliver loans.
SOLUTIONS
One Platform Across the Entire Loan Fulfillment Lifecycle.
See how the MOZAIQ platform puts an AI-powered mortgage assistant alongside your processing, underwriting, and post-close teams — transforming how you originate, underwrite, close, and deliver loans.
An Intelligent Layer Available at Every Stage of the Loan.
The MOZAIQ platform doesn’t just automate individual processes — it connects them with AI-powered capabilities that give your team real-time intelligence, automated oversight, and decision support across the entire loan lifecycle, without ever leaving the LOS.
Ask Anything About the Loan
Query the platform in natural language to find out where any loan stands — open conditions, missing documents, loan status, guideline questions. The assistant is trained on data from your LOS, Fannie and Freddie guidelines, and your product guidelines and proprietary investor overlays. No toggling between systems. No digging through guidelines manually.
Automated Monitoring, Conditions, and Escalation
As documents and data flow into the LOS, the platform creates, modifies, and clears conditions based on your lender and agency rules. Milestones advance when requirements are met. When issues go unresolved, the platform escalates to the right resource at the right time. Problems are caught when they’re small — not after they’ve become expensive.
Real-Time Loan Intelligence
Access pre-configured and customizable summaries of any loan’s current state — underwriting summaries, occupancy reviews, compliance checklists, audit-ready reports. Updated in real time as data flows through the platform.
Every capability is built with a human-in-the-loop architecture. Every recommendation, every flagged issue, every automated action includes source references and complete audit trails. Your team retains full control. The platform augments their expertise — it never substitutes for it.
Originate Assist
Complete Files at Submission. The First Time.
Validates every document and data element as soon as a loan is submitted, so brokers and loan officers can close gaps immediately, before the file reaches processing.
Intelligent document indexing
Classifies hundreds of document types, splits packages into individual documents, and tags them in the LOS, including custom naming, with configurable SLAs.
Document and data validation
Checks documents and extracted data against your business rules, then uploads clean data straight into the LOS so the file is accurate the first time.
Instant missing-item feedback
Tells brokers and loan officers at submission about any missing or expired items (bank statements, W-2s, asset documents, etc.), so files arrive complete the first time.
Account Executive email companion
Sorts AE email, drafts replies in the AE’s voice, and sends complex questions to subject-matter experts, freeing up AE time to what they do best: develop and nurture customer relationships.
Loan Setup Assist
Underwriter-Ready Files. Every Time.
Turns validated submissions into underwriter-ready files by running checks, ordering third-party services and setting conditions before the underwriter opens the file. This cuts clear-to-close timelines by 70%.
Completeness verification
Confirms the presence of every required loan document against configurable electronic checklists and customizable rules.
Third-party orchestration
Orders and tracks fraud, flood and other third-party services, then brings the results back into the LOS automatically.
Settlement, title, insurance and tax analysis
Validates settlement documents, title commitments, insurance policies and tax certifications, catching discrepancies before they become conditions.
Exception management and audit-ready packaging
Flags exceptions, triggers LOS conditions, and assembles a complete underwriter-ready package with a clean data trail.
Underwrite Assist
Cleaner Files. Faster Decisions. Real-Time Approvals.
Resolves conditions before the underwriter opens the file, automating up to 80% of the routine task load so the team focuses on credit decisioning, not mundane work.
Asset Review
Validates bank, investment, retirement statements, deposit variances, and gift letters against configurable business rules.
Credit Review
Assesses borrower creditworthiness across tri-merge reports, credit inquiries, public records, and utilization patterns.
Income Review
Verifies income sources using pay stubs, W-2s, tax returns, and self-employment documentation.
AUS Review
Confirms loan eligibility across Fannie Mae, Freddie Mac, and investor-specific AUS requirements, conditions, and documentation standards.
Close & Fund Assist
Close with Confidence. Fund Without Delays.
Catches the errors that cause funding delays and trigger penalties — before the loan is funded.
Comprehensive form review
Scans and validates the Closing Disclosure, Note, Mortgage, Title Policy, and supporting documents.
TRID and guideline compliance
Identifies TRID violations and deviations from agency and lender-specific guidelines before funding is authorized.
Automated LOS updates
Updates key fields, triggers conditions, and advances milestones in the LOS without manual intervention.
Audit-ready packaging
Generates customizable closing and funding checklists, uploads reviewed packages and findings into the LOS for full audit readiness.
Post Close Assist
Defect-Free Files. Faster Investor Delivery.
Catches post-closing defects before they reach the investor, then automates delivery to the GSEs and aggregators. This reduces post-close manual workload by up to 75% and lowers repurchase risk across all loan types.
Defect identification
Reviews the Note, Mortgage, CD, 1003, MI Cert and closing package, flagging missing documents, data mismatches and compliance gaps.
UCD and ULDD validation
Generates and validates delivery data for investor compliance, eliminating manual data entry errors.
Direct investor delivery
Delivers a complete, auditable package to Fannie Mae, Freddie Mac and major aggregators, either directly or via LOS Investor Connect.
Real-time suspense monitoring
Monitors investor suspense conditions and updates the LOS in real time so nothing stalls after delivery.
