Loan
By Velanova
For the lender moving the loan forward.
Ready for review
01 · The claim
01 · The claimAgents, loan officers, buyers — three purpose-built apps connecting all parties.
A. Sample · Refinance
$475,000 · 30yr fixed · FICO 742 · Holladay, UT
Worksheet
Qualifying income
$11,840/mo
Monthly obligations
$4,878/mo
DTI
41.2%
LTV
78.5%
Reserves
9.2 mo
Scenarios
Scenario A · 5/1 ARM · 5% down
5.625%
P&I $2,734/mo · APR 5.81% · pts 0.375
Heading confirmedScenario B · 30yr fixed · 10% down
6.125%
P&I $2,597/mo · APR 6.24% · pts 0.500
02 · The product is real
02 · The product is realBy Velanova
For the lender moving the loan forward.
By Velanova
For the agent guiding the transaction.
By Velanova
For the buyer every step of the way.
03 · The platform story
03 · The platform storyA sail; the constellation used for maritime navigation.
A new star — a fixed marker that suddenly emerges, then holds.
Velanova is the fixed bearing every transaction points toward. Three purpose-built apps share one heading — the loan officer, the agent, and the buyer navigating toward the same close.
04 · Product deep-dive
04 · Product deep-diveA. Sample · Refinance
$475,000 · 30yr fixed · FICO 742 · Holladay, UT
Worksheet
Qualifying income
$11,840/mo
Monthly obligations
$4,878/mo
DTI
41.2%
LTV
78.5%
Reserves
9.2 mo
Scenarios
Scenario A · 5/1 ARM · 5% down
5.625%
P&I $2,734/mo · APR 5.81% · pts 0.375
Heading confirmedScenario B · 30yr fixed · 10% down
6.125%
P&I $2,597/mo · APR 6.24% · pts 0.500
Command: Write an offer for 123 Main Street at $750,000 with a $25,000 earnest deposit and a 21-day financing contingency.
Offer drafted
On course123 Sample St · Purchase
Buyer: B. Sample · 3 of 5 steps done
Done: Offer accepted
May 28
Done: Inspection cleared
Jun 02
Done: Financing secured
Jun 14
Final walkthrough
est. Jun 19
Keys
est. Jun 20
Responsible AI assists on every file, so the work moves faster and cleaner.
05 · Trust
05 · TrustWhen Velanova’s AI acts, it says so — and shows its math.
Income · A. Sample · Refinance
AI suggestion · Income calculation
Schedule E net: $2,114/mo (75% vacancy factor applied)
Every recommendation is transparent, traceable, and explainable. Review the supporting data, follow the reasoning, and apply changes only when you’re ready. AI assists. Professionals decide.
06 · The ask
06 · The askBuilt in Holladay, Utah.