FOR LICENSED LOAN OFFICERS

Every scenario
answered.
Every deal
surfaced.

Aria reasons through your hardest mortgage scenarios in seconds, cites the guideline that applies, and names which lender can close it. Then it reads your pipeline and tells you what to work on right now.

Lender overlays for every major wholesale and non-QM lenderAgency guidelines Fannie Freddie FHA VA USDAAll 50-state DPA programs
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No account needed to try. Aria handles the research. You make the call.

Ask a Scenario

DSCR at 0.75. Who can do this deal?
A

For DSCR below 1.0, your primary options are Acra Lending and New Silver. Both underwrite at 0.75 DSCR with LTV 70% or lower. A&D Mortgage has a No-Ratio DSCR option that removes the floor entirely -- requires 680+ FICO and LTV 75% or lower. Angel Oak and UWM Investors Flex both require DSCR 1.0+. Verify AE availability and state eligibility before sending the file.

Acra Lending overlay | New Silver overlay | A&D Mortgage overlay

Pipeline Brief

Morning. 14 active files. $5.8M in pipeline.

Martinez -- rate lock expires Wednesdayprocessing
Garcia -- competitor inquiry flagged yesterday
Chen -- moved to Clear to Close

Ask me anything about any of these files.

Ask any scenario. Know every risk.

Instant guideline answers and a live pipeline brief. Built for the loan officer who closes deals.

ASK ANY SCENARIO

Self-employed borrower, loss in year one. Who will touch this?
A

With a year-one loss, you need lenders who use bank statement income rather than tax returns. A&D Mortgage accepts 12 or 24 months of personal or business statements at 620 FICO up to 85% CLTV. Angel Oak allows 12 or 24 months at 640 FICO. NAF requires 12 to 24 months with a 43% DTI cap. For the loss year specifically, none of these use Schedule C -- they calculate from deposits only. Your borrower avoids the tax return problem entirely.

A&D Mortgage overlay | Angel Oak overlay | NAF overlay

Borrower Type

Self-Employed

Est. Loan Amt

$485,000

Max LTV

80%

Min FICO (A&D)

620

Your AE is not picking up. Aria answers in 30 seconds with the guideline cited.

READ YOUR PIPELINE

Pipeline Overview

25 loans · $10.9M

Prospecting

8

In Process

7

Conditional

5

Clear to Close

3

Closed

2

4Critical4Watch3Momentum

AVG FICO

724

AVG DTI

38.4%

TOTAL VOLUME

$10.9M

CLOSING THIS WEEK

3

Every morning, Aria tells you who is at risk, what is stalling, and what closes this week -- before you make your first call.

What Aria knows

Purpose-built for mortgage.
Not a general chatbot.

Guidelines

Every agency rule. Cited by source.

  • Fannie Mae, Freddie Mac, FHA, VA, and USDA through 2026
  • 2026 loan limits and condo review changes included
  • Every answer includes the guideline name and section
vicariointel.com
What is the 2026 FHA floor loan limit?
A

The 2026 FHA floor loan limit for a one-unit property is $541,287, set at 65% of the conforming baseline. High-cost ceiling is $1,249,125.

Mortgagee Letter 2025-23
Down Payment Assistance

Every state. Every program. Current terms.

  • All 50 state Housing Finance Agencies covered
  • Income limits, program structure, and assistance amounts
  • Updated continuously as programs change
TXTexas SDHCA

My First Texas Home

Amount $40K
Structure Forgivable (3yr)
MAMassHousing

ONE Mortgage

Amount $30K
Structure Deferred
FLFlorida HFC

FL HFA Preferred

Amount $10K
Structure 2nd mortgage 0%
Lender Intelligence

Know who can do the deal before you call.

  • UWM, Angel Oak, Acra, Pennymac, CrossCountry and more
  • DSCR, bank statement, foreign national, and agency overlays
  • Gaps flagged by real LO queries, reviewed and resolved by the team
DSCR at 0.75, 640 FICO, investment property.
Pipeline Intelligence

Who needs your call. Before you ask.

  • Per-deal cards: zone, exact reason, one action to take today
  • Closing timeline across 7, 14, and 30-day windows with dollar volume
  • Stall detection flags files stuck in the same stage for 7+ days
vicariointel.com

Morning Brief

14 files · $5.8M

Needs Attention

Martinez

Rate lock expires in 3 days.

Garcia

Competitor credit inquiry detected.

Watch Today

Thompson

Closing in 5 days. Confirm clear to close.

Patel

Stale 28 days. Check in before 30-day flag.

Moving Well

Chen

In underwriting. On track.

Curated Knowledge

Actively maintained. Not autonomously drifting.

  • Every uncertain answer is flagged for review. Resolutions are added to the knowledge base and reflected in every subsequent query. Active curation over autonomous drift.
◯◈◉LO asksAria flagsUpdated
4,847

queries processed

How it works

From scenario to answer
without touching a handbook.

1

Describe the scenario.

Type any borrower situation in plain language. Self-employed, DSCR, employment gap, non-warrantable condo. Aria reads the context.

2

Aria reasons through it.

Aria cross-references agency guidelines, 50-state DPA eligibility, and lender overlays specific to your state and scenario type.

3

You get a research answer.

Not a vague answer. A specific program, a specific lender to call, and exactly what to verify before you send the file. You make the call.

Pricing

Simple pricing.
No per-query fees.

One flat monthly rate for individuals. Custom arrangements for teams and platforms.

Individual

$49/month

For licensed MLOs who handle complex scenarios daily.

  • Unlimited Aria queries
  • All 50-state DPA programs
  • 200+ lender overlays and pipeline analysis
  • Lender routing by deal type
  • Agency guideline intelligence (Fannie, Freddie, FHA, VA, USDA)
  • Confidence-calibrated responses
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Enterprise

Custom

Per organization, billed annually. Contact us for pricing.

  • Everything in the individual plan
  • Dedicated onboarding
  • White-label ready
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We will reach out within one business day.

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