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.
Loan Setup
Underwriter-Ready Files. Every Time.
Assembles complete, validated loan files before the underwriter ever opens the file — cutting clear-to-close timelines by 70%.
Completeness verification
Confirms the presence of every required loan document against configurable electronic checklists and customizable rules.
Document and data validation
Organizes, validates, and uploads all documents and data directly into the LOS, ensuring accuracy before the file advances.
Exception identification and notification
Flags missing or expired documents, triggers LOS conditions, and notifies the loan officer of items requiring action.
Audit-ready packaging
Assembles a complete, auditable, underwriter-ready loan package with a clean data trail.
Appraisal Review
Automated Appraisal Analysis. Stronger Underwriting Decisions
Automates appraisal analysis so your underwriters get cleaner inputs and make faster decisions — reducing appraisal review time from 30 minutes to 5 minutes.
Comprehensive form review
Automatically reviews 1004, 1073, 1025 forms, flood certifications, contracts, and title reports in a single pass.
Discrepancy and compliance flagging
Identifies omissions, data discrepancies, and compliance issues for manual review before they reach the underwriter.
Direct LOS integration
Pushes findings directly into the LOS, auto-updating property values, loan conditions, and related fields without manual entry.
Custom audit-ready checklists
Generates review checklists configured to your investor, agency, or lender-specific rules.
APPRAISAL REPORT
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.
Closing & Funding
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 Review
Every Loan File Validated & Audit-Ready.
Identifies post-closing defects that may trigger investor kickbacks and repurchase demands, flagging mismatches, missing documents, and compliance gaps.
Comprehensive document review
Automated review of closing docs, Note, Mortgage, CD, 1003, MI Cert, and more.
Defect identification
Identifies missing documents, data mismatches, and compliance gaps before they reach the investor.
Automated LOS updates and audit trails
Uploads findings and packages directly into the LOS, updates fields, and generates conditions and audit checklists.
Multi-product support
Fully supports Conventional (FNMA/FHLMC), Government (FHA/VA/USDA), and non-QM loan types.
Loan Delivery
Faster Delivery. Higher Accuracy. Every Loan.
Automates the entire loan delivery process to the investor, reducing post-close manual workload by up to 75% and doubling delivery capacity.
Direct investor delivery
Delivers to Fannie Mae, Freddie Mac, and major aggregators directly or via LOS Investor Connect.
Automated compliance validation
Generates and validates UCD and ULDD data for investor compliance, eliminating manual data entry errors.
Intelligent document handling
Manages Disclosure Tracking and assembles a complete, auditable delivery package.
Real-time suspense condition monitor ing
Monitors investor suspense conditions and updates the LOS in real time so nothing stalls after delivery.
