Pricing and Dual AUS

Real-time mortgage pricing and dual AUS in one workspace

Write closeable, high-margin loans in fewer hours

Price and qualify against your guidelines while the loan is being built. Gizmo keeps margin, eligibility, DU, LPA, and the next useful fix in view.

Price loans in real time, run dual AUS, compare scenarios in plain language, and find out why a file lost Approve/Eligible. All in one place.

Real-time pricing

Evaluate investor pricing, eligibility, compensation, and loan-level adjustments as the loan changes.

Gizmo agent

Structure loans with an agent that can read borrower, credit, pricing, fee, and AUS context, propose changes, and request approval before acting.

Guided fixes

Surface qualification and pricing issues in context, explain what changed, and propose a fix for review.

Scenario comparison

Build alternative structures, price and underwrite each one, and compare the tradeoffs before choosing a path.

Real-time pricing

Price while you structure

See pricing and product eligibility change with the loan instead of repeatedly submitting disconnected scenarios. Gizmo evaluates borrower facts, investor rules, compensation, and loan-level adjustments together so viable options stay visible while your team works.

Capabilities

  • Evaluate supported investor rate sheets and products against the current loan setup.
  • Apply FICO, LTV, occupancy, purpose, property, amount, and channel criteria.
  • Reflect compensation rules, pricing adjustments, lender credits, and points.
  • Surface eligibility and points-and-fees guardrails beside each option.
  • Carry selected pricing into scenario, fee, disclosure, and underwriting workflows.
  • Keep the team aligned around the same current pricing view.

Gizmo agent

Structure loans with complete context

Gizmo Agent works from the same borrower, credit, income, pricing, fee, and underwriting information your team sees. Ask it to investigate a qualification problem, compare possible changes, or prepare the next action without copying the loan into a separate AI tool.

Capabilities

  • Read current loan data and the latest DU and LPA findings together.
  • Explain eligibility, DTI, cash-to-close, pricing, and compliance issues in context.
  • Suggest payoffs, product changes, lender credits, document requests, or AUS reruns.
  • Use connected pricing, credit, fee, and underwriting tools to test recommendations.
  • Request human approval before sensitive actions change the loan file.

Guided fixes

Turn problems into reviewable actions

Gizmo surfaces qualification, pricing, and compliance issues where your team is already working. Each issue explains the current value, the applicable constraint, and a possible cure so the next decision is clear without promising an automatic answer to every exception.

Capabilities

  • Identify breached qualification constraints and stale underwriting assumptions.
  • Explain how the current loan conflicts with an applicable rule or limit.
  • Suggest focused changes such as debt payoffs, product choices, or pricing adjustments.
  • Show the likely effect before a recommendation is accepted.
  • Keep a person in control of changes that affect the borrower or loan terms.

Scenario comparison

Compare structures without losing the original

Explore alternative loan structures in isolation, then compare their consequences before choosing a path. Each scenario keeps its own terms, pricing, and underwriting results, giving the team a stable basis for a recommendation.

Capabilities

  • Change product, loan amount, debt treatment, credits, or other structuring inputs independently.
  • Run pricing and automated underwriting against each alternative.
  • Compare payment, cash-to-close, DTI, rate, points, and eligibility tradeoffs.
  • Preserve the current loan while exploratory changes are still under review.
  • Select the preferred structure only after the team has compared the available evidence.