Income without the worksheet
- Qualifying incomeWorked out from the documents, under every program the shop offers.
- The hard filesSelf-employed, rental and bonus income, on every loan officer’s desk, not queued behind one expert.
Automatically restructure loans to approval.
Documents in, an approved loan out. Proxara works the file from the borrower’s first document to clear to close, and builds the first submission to be the last.
Works with
The busy work, done for you.
It works out the income, finds the best loan the borrower can get, clears every published rule before it submits and clears the conditions, so your loan officers spend the day with borrowers.
How it works.
Documents in. Proxara takes the loan to approval.
- Works out the income: under the rules of every program you offer, from paystubs, W-2s, VOEs and tax returns, in any order.
- Clears every limit: DTI, LTV, the county limit, reserves and term, from the loan file, before DU.
- Submits the loan: with the one change that clears them all. If DU asks for more, Proxara carries on until it is approved.
Approval without the specialist queue
- Every rule, before the AUSEvery published limit cleared before the loan is submitted, with one change where several fail.
- Round after roundWhat only DU or LP can judge is worked within seconds of each answer, until the loan is approved.
What your shop gets.
Every loan officer does the hard loans.
Self-employed borrowers, rental income, second homes and stacked debts, worked out on the file, not queued behind one expert.
More loans with the same team.
The work between documents in and clear to close is done on the file, so the loan officer who owns it spends the day with borrowers.
Loans that used to die now close.
A low appraisal, a rate move or a document going out of date is caught the day it happens, and the loan is fixed again before it dies late.
Private by design.
Runs in your own tenant.
Your IT runs one installer under its own permissions. The model, the keys and the documents stay in your tenant. Proxara holds no credential, no role and no standing access.
The installationDeleted when the work is done.
The page images, the text and the facts read from them are deleted when the loan’s work is done, and the deletion is logged. The result is written back into your own systems.
RecordsCode decides. The AUS judges.
Code works out the income, the limits and every change under the published rules, so the same file gives the same result. Nothing is called approved until DU or LP says so.
Rules and evidence
Installed in an afternoon.
- Where do the models run?
- In your own Azure tenant, on compute the installer creates under your subscription. Borrower documents never leave it.
- What does deploying it involve?
- One installer, run by your IT under its own permissions: it checks quota and price, creates compute, storage and sign-in, and prints the address.
- What happens to the documents afterwards?
- The page images, text and facts are deleted when the loan’s work is done, and the deletion is logged. The result PDF, with its crops, stays in your store.
- Is the income figure a model’s guess?
- No. The model reads the page into facts anchored to its words. Code computes the income and every structure, so the same file gives the same result.
- Do loan officers learn a new tool?
- No. The approved loan, and anything the borrower still has to send, arrive in the loan and in Teams, where they already work, and the AUS stays the one they already use.
One installer, your tenant.
Your IT runs it once, under its own permissions.
