85% faster underwriting

AI agent for Mortgage Underwriters

From hours of verification to minutes

Delegate income and employment verification to a specialized AI agent. It analyzes pay stubs, tax returns, W-2s, and employment letters against Fannie Mae, Freddie Mac, and your internal guidelines, delivering a complete verification summary with every data point cited to its source document.

Ideal for

Mortgage Underwriters

Loan Processors

Lending Operations

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    SMC  logo
    Mercedes-Benz logo
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    Mercedes-Benz logo
    Alaris logo
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Loan Application Review - File #2024-8847

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    ABL logo
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    Mercedes-Benz logo
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    Mercedes-Benz logo
    Paige logo
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    Mercedes-Benz logo
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Time comparison

Time comparison

Traditional way

2-3 hours per file

With V7 Go agents

15-20 minutes

Average time saved

85%

Why V7 Go

Why V7 Go

Automated Income Calculation

Extracts gross monthly income from pay stubs, W-2s, and tax returns, automatically calculating qualifying income using agency-approved methodologies for salaried, hourly, commissioned, and self-employed borrowers.

Automated Income Calculation

Extracts gross monthly income from pay stubs, W-2s, and tax returns, automatically calculating qualifying income using agency-approved methodologies for salaried, hourly, commissioned, and self-employed borrowers.

Automated Income Calculation

Extracts gross monthly income from pay stubs, W-2s, and tax returns, automatically calculating qualifying income using agency-approved methodologies for salaried, hourly, commissioned, and self-employed borrowers.

Automated Income Calculation

Extracts gross monthly income from pay stubs, W-2s, and tax returns, automatically calculating qualifying income using agency-approved methodologies for salaried, hourly, commissioned, and self-employed borrowers.

Employment Verification

Analyzes employment verification letters, pay stubs, and HR documentation to confirm job stability, position, and tenure, flagging any gaps or inconsistencies that require additional review.

Employment Verification

Analyzes employment verification letters, pay stubs, and HR documentation to confirm job stability, position, and tenure, flagging any gaps or inconsistencies that require additional review.

Employment Verification

Analyzes employment verification letters, pay stubs, and HR documentation to confirm job stability, position, and tenure, flagging any gaps or inconsistencies that require additional review.

Employment Verification

Analyzes employment verification letters, pay stubs, and HR documentation to confirm job stability, position, and tenure, flagging any gaps or inconsistencies that require additional review.

Guideline Compliance Checking

Cross-references extracted income data against Fannie Mae, Freddie Mac, FHA, and VA underwriting guidelines stored in your Knowledge Hub, ensuring every calculation meets agency requirements.

Guideline Compliance Checking

Cross-references extracted income data against Fannie Mae, Freddie Mac, FHA, and VA underwriting guidelines stored in your Knowledge Hub, ensuring every calculation meets agency requirements.

Guideline Compliance Checking

Cross-references extracted income data against Fannie Mae, Freddie Mac, FHA, and VA underwriting guidelines stored in your Knowledge Hub, ensuring every calculation meets agency requirements.

Guideline Compliance Checking

Cross-references extracted income data against Fannie Mae, Freddie Mac, FHA, and VA underwriting guidelines stored in your Knowledge Hub, ensuring every calculation meets agency requirements.

Multi-Source Income Analysis

Handles complex income scenarios including multiple jobs, overtime, bonuses, commission, rental income, and self-employment, applying the correct calculation methodology for each income type.

Multi-Source Income Analysis

Handles complex income scenarios including multiple jobs, overtime, bonuses, commission, rental income, and self-employment, applying the correct calculation methodology for each income type.

Multi-Source Income Analysis

Handles complex income scenarios including multiple jobs, overtime, bonuses, commission, rental income, and self-employment, applying the correct calculation methodology for each income type.

Multi-Source Income Analysis

Handles complex income scenarios including multiple jobs, overtime, bonuses, commission, rental income, and self-employment, applying the correct calculation methodology for each income type.

Document Consistency Validation

Compares data across multiple documents to identify discrepancies between pay stubs, W-2s, tax returns, and employment letters, flagging inconsistencies that require borrower clarification.

Document Consistency Validation

Compares data across multiple documents to identify discrepancies between pay stubs, W-2s, tax returns, and employment letters, flagging inconsistencies that require borrower clarification.

Document Consistency Validation

Compares data across multiple documents to identify discrepancies between pay stubs, W-2s, tax returns, and employment letters, flagging inconsistencies that require borrower clarification.

Document Consistency Validation

Compares data across multiple documents to identify discrepancies between pay stubs, W-2s, tax returns, and employment letters, flagging inconsistencies that require borrower clarification.

Complete Audit Trail

Links every calculated income figure and verification finding back to the specific page and line in the source document with AI Citations, creating a defensible audit trail for QC and compliance reviews.

Complete Audit Trail

Links every calculated income figure and verification finding back to the specific page and line in the source document with AI Citations, creating a defensible audit trail for QC and compliance reviews.

Complete Audit Trail

Links every calculated income figure and verification finding back to the specific page and line in the source document with AI Citations, creating a defensible audit trail for QC and compliance reviews.

Complete Audit Trail

Links every calculated income figure and verification finding back to the specific page and line in the source document with AI Citations, creating a defensible audit trail for QC and compliance reviews.

Analyzes all income documentation

To deliver a complete verification summary.

Get started

Get started

Logo
Logo

Import your files

Microsoft Sharepoint Online

,

Google Drive

,

Dropbox

Import your files from whereever they are currently stored

Customer voices

Customer voices

Connect AI to your underwriting guidelines.

Connect AI to your underwriting guidelines.

Turn every loan file into verified, compliant income data.

Turn every loan file into verified, compliant income data.

Finance

Legal

Insurance

Tax

Real Estate

Finance

Legal

Insurance

Tax

Real Estate

Finance

Legal

Insurance

Tax

Real Estate

Customer Voices

Industrial equipment sales

We are looking for V7 Go and AI in general to be the beating heart of our company and our growth. It will make us more productive as a company, liaising with customers, automating tasks, even finding new work.

Read the full story

Industrial equipment sales

We are looking for V7 Go and AI in general to be the beating heart of our company and our growth. It will make us more productive as a company, liaising with customers, automating tasks, even finding new work.

Read the full story

Insurance

We have six assessors. Before V7 Go, each would process around 15 claims a day, about 90 in total. With V7 Go, we’re expecting that to rise to around 20 claims per assessor, which adds up to an extra 30 claims a day. That’s the equivalent of two additional full-time assessors. Beyond the cost savings, there’s real reputational gains from fewer errors and faster turnaround times.

Read the full story

Insurance

We have six assessors. Before V7 Go, each would process around 15 claims a day, about 90 in total. With V7 Go, we’re expecting that to rise to around 20 claims per assessor, which adds up to an extra 30 claims a day. That’s the equivalent of two additional full-time assessors. Beyond the cost savings, there’s real reputational gains from fewer errors and faster turnaround times.

Read the full story

Real Estate

Prior to V7, people using the software were manually inputting data. Now it’s so much faster because it just reads it for them. On average, it saves our customers 45 minutes to an hour of work, and it’s more accurate.

Read the full story

Real Estate

Prior to V7, people using the software were manually inputting data. Now it’s so much faster because it just reads it for them. On average, it saves our customers 45 minutes to an hour of work, and it’s more accurate.

Read the full story

Features

Features

Results you can actually trust.
Reliable AI document processing toolkit.

Results you can trust.
Trustworthy AI document processing toolkit.

Supporting complex documents.

Up to 200 pages.

Loan files contain documents in every format imaginable. This agent handles scanned pay stubs, handwritten employment letters, multi-year tax returns with complex schedules, and bank statements from any institution, extracting accurate data regardless of document quality or layout.

Input types

50+ languages

Handwritten

200 pages

Low-Quality Scans

Document types

PDFs

Scanned Images

Complex Tables

Tax Forms

Bank Statements

Vendor_US.xlsx

3

Supply_2023.pptx

Review_Legal.pdf

Supporting complex documents.

Up to 200 pages.

Loan files contain documents in every format imaginable. This agent handles scanned pay stubs, handwritten employment letters, multi-year tax returns with complex schedules, and bank statements from any institution, extracting accurate data regardless of document quality or layout.

Input types

50+ languages

Handwritten

200 pages

Low-Quality Scans

Document types

PDFs

Scanned Images

Complex Tables

Tax Forms

Bank Statements

Vendor_US.xlsx

3

Supply_2023.pptx

Review_Legal.pdf

Supporting complex documents.

Up to 200 pages.

Loan files contain documents in every format imaginable. This agent handles scanned pay stubs, handwritten employment letters, multi-year tax returns with complex schedules, and bank statements from any institution, extracting accurate data regardless of document quality or layout.

Input types

50+ languages

Handwritten

200 pages

Low-Quality Scans

Document types

PDFs

Scanned Images

Complex Tables

Tax Forms

Bank Statements

Vendor_US.xlsx

3

Supply_2023.pptx

Review_Legal.pdf

Reach 99% accuracy rate

through GenAI reasoning.

Loan decisions depend on precise income calculations. The agent uses sophisticated extraction and reasoning to ensure every dollar amount, date, and employment detail is captured accurately, applying the correct calculation methodology for each income type.

Model providers

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Reach 99% accuracy rate

through GenAI reasoning.

Loan decisions depend on precise income calculations. The agent uses sophisticated extraction and reasoning to ensure every dollar amount, date, and employment detail is captured accurately, applying the correct calculation methodology for each income type.

Model providers

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Reach 99% accuracy rate

through GenAI reasoning.

Loan decisions depend on precise income calculations. The agent uses sophisticated extraction and reasoning to ensure every dollar amount, date, and employment detail is captured accurately, applying the correct calculation methodology for each income type.

Model providers

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Trustworthy results,

grounded in reality.

Build confidence in every underwriting decision. Every income figure, employment date, and compliance finding is visually linked to its exact location in the source document, creating a complete audit trail for QC reviews and investor delivery.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Trustworthy results,

grounded in reality.

Build confidence in every underwriting decision. Every income figure, employment date, and compliance finding is visually linked to its exact location in the source document, creating a complete audit trail for QC reviews and investor delivery.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Trustworthy results,

grounded in reality.

Build confidence in every underwriting decision. Every income figure, employment date, and compliance finding is visually linked to its exact location in the source document, creating a complete audit trail for QC reviews and investor delivery.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Enterprise grade security

for high-stake industries.

Loan files contain highly sensitive borrower financial and personal information. V7 Go processes all documentation within your secure environment, ensuring compliance with GLBA, fair lending regulations, and data privacy requirements. Borrower data is never used for external purposes.

Certifications

GDPR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

Enterprise grade security

for high-stake industries.

Loan files contain highly sensitive borrower financial and personal information. V7 Go processes all documentation within your secure environment, ensuring compliance with GLBA, fair lending regulations, and data privacy requirements. Borrower data is never used for external purposes.

Certifications

GDPR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

Enterprise grade security

for high-stake industries.

Loan files contain highly sensitive borrower financial and personal information. V7 Go processes all documentation within your secure environment, ensuring compliance with GLBA, fair lending regulations, and data privacy requirements. Borrower data is never used for external purposes.

Certifications

GPDR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

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Answers

Answers

What you need to know about our

AI agent for Mortgage Underwriters

How does it handle self-employed borrowers?

The agent applies the appropriate income calculation methodology based on borrower type. For self-employed borrowers, it analyzes two years of tax returns, calculates average monthly income from Schedule C or corporate returns, and adds back allowable depreciation and depletion according to agency guidelines.

+

How does it handle self-employed borrowers?

The agent applies the appropriate income calculation methodology based on borrower type. For self-employed borrowers, it analyzes two years of tax returns, calculates average monthly income from Schedule C or corporate returns, and adds back allowable depreciation and depletion according to agency guidelines.

+

How does it handle self-employed borrowers?

The agent applies the appropriate income calculation methodology based on borrower type. For self-employed borrowers, it analyzes two years of tax returns, calculates average monthly income from Schedule C or corporate returns, and adds back allowable depreciation and depletion according to agency guidelines.

+

Can it verify income from multiple jobs?

Yes. The agent identifies and analyzes income from multiple employers, calculating qualifying income for each source separately. It verifies employment stability for each position and flags any concerns about the borrower's ability to maintain multiple jobs.

+

Can it verify income from multiple jobs?

Yes. The agent identifies and analyzes income from multiple employers, calculating qualifying income for each source separately. It verifies employment stability for each position and flags any concerns about the borrower's ability to maintain multiple jobs.

+

Can it verify income from multiple jobs?

Yes. The agent identifies and analyzes income from multiple employers, calculating qualifying income for each source separately. It verifies employment stability for each position and flags any concerns about the borrower's ability to maintain multiple jobs.

+

How does it stay current with guideline changes?

The agent references your Knowledge Hub, which serves as your single source of truth for underwriting guidelines. When Fannie Mae or Freddie Mac updates their requirements, you simply update the relevant policy document in your Hub, and the agent immediately applies the new rules.

+

How does it stay current with guideline changes?

The agent references your Knowledge Hub, which serves as your single source of truth for underwriting guidelines. When Fannie Mae or Freddie Mac updates their requirements, you simply update the relevant policy document in your Hub, and the agent immediately applies the new rules.

+

How does it stay current with guideline changes?

The agent references your Knowledge Hub, which serves as your single source of truth for underwriting guidelines. When Fannie Mae or Freddie Mac updates their requirements, you simply update the relevant policy document in your Hub, and the agent immediately applies the new rules.

+

What happens when documents are missing?

The agent identifies missing required documentation based on your underwriting checklist and loan type. It generates a clear list of outstanding items needed to complete the income verification, allowing processors to request the correct documents from borrowers immediately.

+

What happens when documents are missing?

The agent identifies missing required documentation based on your underwriting checklist and loan type. It generates a clear list of outstanding items needed to complete the income verification, allowing processors to request the correct documents from borrowers immediately.

+

What happens when documents are missing?

The agent identifies missing required documentation based on your underwriting checklist and loan type. It generates a clear list of outstanding items needed to complete the income verification, allowing processors to request the correct documents from borrowers immediately.

+

How accurate is the income calculation?

The agent uses multi-step workflows to ensure calculation accuracy. Every figure is extracted with precision, and the calculation methodology is applied consistently according to agency guidelines. Visual Grounding allows underwriters to verify any calculation by clicking through to the source document.

+

How accurate is the income calculation?

The agent uses multi-step workflows to ensure calculation accuracy. Every figure is extracted with precision, and the calculation methodology is applied consistently according to agency guidelines. Visual Grounding allows underwriters to verify any calculation by clicking through to the source document.

+

How accurate is the income calculation?

The agent uses multi-step workflows to ensure calculation accuracy. Every figure is extracted with precision, and the calculation methodology is applied consistently according to agency guidelines. Visual Grounding allows underwriters to verify any calculation by clicking through to the source document.

+

Does it integrate with our LOS?

Yes. The agent can be configured to output data in formats compatible with major loan origination systems. Verified income figures, employment details, and compliance findings can be automatically populated into your LOS, eliminating manual data entry.

+

Does it integrate with our LOS?

Yes. The agent can be configured to output data in formats compatible with major loan origination systems. Verified income figures, employment details, and compliance findings can be automatically populated into your LOS, eliminating manual data entry.

+

Does it integrate with our LOS?

Yes. The agent can be configured to output data in formats compatible with major loan origination systems. Verified income figures, employment details, and compliance findings can be automatically populated into your LOS, eliminating manual data entry.

+

Next steps

Next steps

Still manually calculating income from pay stubs and tax returns?

Send us a sample loan file with income documentation. We'll show you how our AI agent can complete the verification in minutes, not hours.

Uncover hidden liabilities

in

supplier contracts.

V7 Go transforms documents into strategic assets. 150+ enterprises are already on board:

Uncover hidden liabilities

in

supplier contracts.

V7 Go transforms documents into strategic assets. 150+ enterprises are already on board: