Move faster on tough files.
Ask Lola if a loan can fly. She reads every program guideline and lender matrix you'd otherwise dig through yourself, then shows you which investors will say yes, which will say no, and exactly why. Seconds, not days. You stop waiting on UW to keep the deal moving.
Non-QM 1-yr self-employed is the cleanest. Deephaven and Angel Oak both allow 1 year of self-employment with 20% down and 680+ FICO. Investment OK.
DSCR skips income entirely. The loan qualifies on rent alone. With 720 FICO and 20% down, you land in the best matrix row across multiple investors, qualifying at 1.0 DSCR.
An AI that actually knows the guidelines.
Reads every guideline
Fannie, Freddie, FHA, VA, USDA, plus 25+ non-QM lenders. Lola has digested the full guidelines and rate sheets, and she gets updated when agencies issue new lender letters.
Knows the matrix row, not the brochure
When a guideline depends on FICO, LTV, DSCR, or reserves, Lola pulls the actual rate-sheet row your scenario falls into. You get the row that applies, not a paragraph of marketing.
Your investor lineup
You pick which investors and guidelines Lola knows about. Add a new lender the day your AE pitches you. Drop one the day you stop using it. Your product mix stays current, and when you ask about UWM, Newfi, or Kind by name, Lola prioritizes their matrix first.
Easiest path first
Lola ranks viable options by how hard each one is to actually close. Doc burden, credit floor, reserve hits, overlay risk, turn time. The cleanest path comes first so you can focus on what's most likely to fund.
Honest confidence score
Every answer comes with a confidence score backed by the actual guideline she found. When Lola is hedging because the rule is unclear, you see it. No false certainty.
AE email built in
One click drafts a short, peer-to-peer email asking the AE to confirm Lola's read on the guideline. Send it before you lock to keep the file clean. 110 to 150 words, no fluff.
Paste a scenario. Get the answer.
Describe the scenario
Type it the way you'd tell a senior LO. Borrower profile, occupancy, loan size, FICO, anything unusual. If Lola needs more to sharpen the answer, she asks.
Lola reads the guidelines
She pulls the relevant sections from every program and lender matrix she's been trained on, filters for the rows that actually match your numbers, and structures the answer around named investors.
Compare three or more investors side by side
Path 1, Path 2, Path 3, ranked easiest first. Specific income haircuts, fit verdicts, and the rule that breaks each option if the file slides off.
Email your AE for confirmation
One click drafts a short clarification email so you can confirm Lola's read with the AE before locking the path.
Built to move your pipeline. Not replace you.
Lola is the underwriting intelligence behind every Scenario Desk answer. She's been trained on agency, government, and non-QM playbooks, follows the latest Fannie Mae lender letters, and is explicitly designed to find a path forward whenever one exists.
$150 / month. Per loan officer.
Unlimited questions, every guideline, AE email drafts. Income Calculator included for full multi-borrower and multi-business analysis. Cancel anytime.