Complete Underwriting Automation
Multi-Program Support
Conventional, FHA, VA, DSCR, Jumbo, and portfolio loans—all with real-time guideline matching.
Institutional Standards
Fannie Mae DU and Freddie Mac LP guideline compliance built-in. Audit trail for compliance.
Investment Property AUS
DSCR engine, rental income qualification, portfolio analysis, and non-traditional underwriting.
20+ Underwriting Capabilities
Multi-Loan AUS
Conv/FHA/VA/DSCR/Portfolio
Fannie Mae DU
Desktop Underwriter matching
Freddie Mac LP
Loan Prospector guidelines
FHA/VA Overlays
Full FHA/VA compliance check
DSCR Engine
Debt service coverage ratio
Live FRED Rates
Real-time interest rate data
LTV/CLTV/HCLTV
All ratio calculations
DTI Analysis
Debt-to-income verification
Credit Impact
Score modeling and impact
Reserve Requirements
Automatic qualification check
Property Eligibility
1-4 unit/condo/commercial
Income Documentation
Requirements by borrower type
Gift Fund Analysis
Gifted funds eligibility
Self-Employed
Freelancer income analysis
Rental Income
Schedule E qualification
Cash-Out Refi
CO-Refi specific analysis
Rate/Term Refi
No cash-out requirements
Appraisal Waiver
Waiver likelihood scoring
Condo Project Check
Project approval eligibility
AUS Report
Print-ready certification
Why Lenders Choose ProofPoint AUS
Close Loans 2-3 Days Faster
Automate guideline review. Identify issues before submission.
Eliminate Manual Spreadsheets
Institutional-grade calculations with audit trail compliance.
Reduce Loan Denials
Catch guideline violations upfront. Pre-qualify borrowers accurately.
How It Works in 5 Steps
Enter Loan Details
Borrower info, property details, loan amount
Select Loan Type
Conventional, FHA, VA, DSCR, or Portfolio
Pull Data
Credit, income, property, rates—auto-populated
Review Analysis
Instant guideline match with approval likelihood
Generate Report
Print-ready AUS certification for investors
Who Uses ProofPoint AUS
Mortgage Loan Officer
Reduce processing time, catch guideline issues early, deliver better client experience.
Realtor Advising Investors
Qualify properties and borrowers instantly. Show clients their real lending power.
Real Estate Investor
Evaluate rental properties against DSCR and portfolio lending guidelines.
Hard Money Lender
Quick AUS for bridge loans and non-traditional underwriting scenarios.
Portfolio Lender
Portfolio-specific AUS for unique loan structures and borrower profiles.
How We Compare
| Tool | Analysis Time | Accuracy | Cost | Compliance |
|---|---|---|---|---|
| Manual Underwriting | 30-40 minutes | Varies | Labor only | Manual tracking |
| Desktop Underwriter | 20-30 minutes | Good | Fannie Mae licensing | Built-in |
| Loan Prospector | 20-30 minutes | Good | Freddie Mac licensing | Built-in |
| Spreadsheet Models | 40-60 minutes | Error-prone | Labor + templates | Manual |
| ProofPoint AUS | <5 minutes | Excellent | Included with membership | Automated audit trail |
15 Common Questions
Choose Your Plan
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