Private by design
It runs in your own Azure tenant, under your own keys. Borrower documents never leave it, and Proxara holds no credential, role or standing access.
Learn moreHow Proxara works.
The borrower’s documents go in. An approved loan comes out, worked from the first document to clear to close, in the loan and in Teams.
What happens to the file.
- 01
Documents in
Paystubs, W-2s, tax returns and bank statements, straight from the loan file. Every value it keeps is anchored to the words on the page it came from.
The reading - 02
Income and the best loan
The qualifying income under Fannie Mae, Freddie Mac, FHA and VA rules, then every program and structure the shop offers, ranked by the borrower’s cash and payment.
The income - 03
Cleared and submitted
Every published limit cleared before submission, then DU or LP worked round after round, in the loan and in Teams, until it is approved and the conditions are cleared.
The structure
Every page, sorted and checked.
Photos, PDFs and MISMO XML from the loan file, one method for all of them: Proxara pulls the facts off every page, checks each against the words it came from, and asks a person only what the page cannot settle.
- It checks every valueEach fact keeps the printed words it came from, and code checks that quote against the page’s own text before the value is used.
- It asks onceWhere a page is unclear, it asks one plain question with the crop beside it, and keeps the answer with who gave it and when.
- It sorts the pileSeveral documents in one file, or one document across many images, are split and typed. Where the grouping is unsure, it confirms the pages and their order first.
Compute qualifying income deterministically.
The rules of every program the shop offers, applied to the facts on the documents. Every calculation runs through code, with the section quoted, so the same file gives the same result.
- Base paySalary and hourly, from paystubs and W-2s, with the year-to-date and prior-year tests.
- Overtime, bonus and commissionThe history, averaging and trend the guides require, never the latest paystub annualised.
- Self-employmentFrom personal and business returns, with the add-backs and deductions the guides list for the entity.
- Non-taxable incomeGrossed up at the rate the product allows, with the rule quoted beside the figure.
Clear every rule before submitting.
Before DU or LPA sees the loan, every published limit is checked against the verified loan facts: what fails, by how much, under which rule.
The answer is a change made in the loan, not a paragraph. Every lever the guidelines allow is tried together; the ones that clear every limit come back with their exact values, ranked by the borrower’s cash and payment, and the rest say why they closed.
One change for every limit
Submitted, and worked round by round to approval.
It submits the loan itself. When DU or LP comes back with something only the AUS can judge, the answer is worked within seconds and the next move is made from where the loan now stands.
- When a finding remainsEach round starts from the new findings, not from the first ones, and every attempt is kept for the shop’s own history of what worked.
- Then the conditionsEvery underwriter condition is matched to the document that clears it, and what is missing is asked of the borrower in plain words.
Built to live inside a lender.
Exact by construction
A model reads the page. Code applies the agency’s rule, with the section and the page behind every figure, so the same file always gives the same answer.
Works with what you run
It works inside Arive, submits to DU and LPA through your own access, and the approved loan arrives in the loan and in Teams, where the team already works.
One installer, run by your IT
It stands up the model, the signed rules and the page in your own tenant and checks every part before it prints the address. Updates arrive the same way, signed.
Learn more
See it run on a loan.
Book a call and we walk a loan through it with you, from the first document to clear to close, in the order the page shows it.