Theia Vault for lending
Hand it a full loan file. Get your afternoon back.
Theia reads the whole package: classifies every page, calculates income, cross-checks the file, and hands you the condition list. What used to eat an afternoon takes minutes. Loan analysis is included for lending accounts.
14-day free trial. No credit card, no contract.
Qualifying income, borrower 1
Cross-document checks
Conditions
Export as a PDF report, email it from the app, or ask Theia about this file.
Where your week actually goes.
You didn't get into lending to be a document sorter. But that's where the hours disappear, and those were the hours that were supposed to grow the book.
Sorting, splitting, and labeling a doc package by hand.
Handed backTheia classifies every page, groups the documents, and assigns each one to the right borrower, minutes after upload.
Digging through agency PDFs for one scenario answer.
Handed backAsk the question in plain English. FHA, VA, USDA, Fannie Mae, Freddie Mac, answered with the source cited.
Income calcs on the self-employed borrower, again.
Handed backBase, year-to-date pace, and variable income averaged across years the way underwriting does it, cross-checked against the rest of the file.
Nothing, which is what your referral partners get.
Handed backPartner and borrower touches go out in your voice from your own address, and live scoring shows which relationships are drifting before they're gone.
Document analysis, step by step.
Most platforms bolt on a document folder. Theia Vault reads the file.
- 1
Hand it the whole package
Upload the file as is: PDFs, scans, even phone photos. Paystubs, W-2s, bank statements, tax returns, credit reports, gift letters. No pre-sorting.
- 2
Every page classified and split
Every page identified, grouped, labeled, and assigned to the right borrower, even in a multi-borrower file.
- 3
Income calculated, cross-checked
Base, year-to-date pace, and variable income averaged the way underwriting does it, then every document checked against the others, down to matching bank transfers.
- 4
Conditions listed for you
What's missing, what conflicts, what underwriting will ask for. Severity-tagged, validated against the actual documents.
Built for how loan officers actually win business.
The doc engine saves your afternoons. The system underneath it, partners, pipeline, and follow up, is what grows the book.
Guideline answers
Scenario questions, answered with citations.
FHA, VA, USDA, Fannie Mae, Freddie Mac. Ask a scenario question and get the answer with the source cited. No more digging through PDFs between calls.
Minimum reserves on a 3 to 4 unit FHA purchase?
Three months PITI, from the borrower's own funds. Gift funds can't be used to meet the reserve requirement.
Source: HUD Handbook 4000.1, Reserves
Partner engine
Your referral partners, worked like the pipeline they are.
Your business runs on agent relationships. Touches go out in your voice from your address, and live scoring shows which relationships are drifting.
Volume pipeline
Every loan on one board, moving or flagged.
Move files through stages, tasks fire from dates behind you, and the file that's gone quiet gets flagged before the borrower calls asking why.
File 1042, refinance, processing
Quiet for 8 days. The borrower hasn't replied to the conditions request. An update in your voice is drafted and ready.
Solo $149 a month. Team $129 per user.
Document analysis, guideline answers, and the whole system. One seat, one price.
Put your book of business to work tonight.
Import your contacts today. Wake up tomorrow knowing exactly who to call.
14-day free trial. No credit card, no contract.