Underwriting as a Service
On-demand underwriting support for brokerages and independent agents. File review, structuring, and submission notes — starting at $100 with turnaround as fast as 4 hours.
Built to Help You Scale
The support most brokerages can't justify hiring in-house — on demand, when you need it.
Improve Efficiency
Stop spending hours on stress-test math, GDS/TDS, and lender matrix lookups. Send us the file and get back to closing deals.
Submit With Confidence
Every file is reviewed by an experienced underwriter. Catch deal-killers before the lender does — fewer declines, fewer surprises.
Scale Your Business
Take on more deals without hiring. We act as your back-office underwriting team, billed per file with no monthly minimums.
Specialized Expertise
Self-employed, BFS, new-to-Canada, rental portfolios, B-deals, private — we live in the niches most brokers avoid.
Confidential & White-Label
We work behind the scenes. Your client never sees our name. Submission notes are ready to paste under your own signature.
Turnaround as Fast as 4 Hours
Time-sensitive deal? Our Dedicated Service tier guarantees a 4-hour response during business hours so you never miss a closing.
The Problems Every Mortgage Agent Faces
Whether you wrote your exam last month or you've been originating for fifteen years — these are the moments where Underwriting as a Service pays for itself.
“I don't know which lender will actually approve this file.”
Lender appetites change every quarter. Sending a deal to the wrong lender wastes days and burns your client's patience.
We tell you exactly which lender fits and why — so you learn the matrix as you go.
Get a multi-lender placement strategy with backup options ranked by likelihood of approval.
Self-employed, BFS, and rental income math is eating my evenings.
T1s, T2s, NOAs, add-backs, gross-up rules, rental offsets — one mistake and the whole file gets re-asked.
We crunch the numbers and show our work, so you can confidently explain the qualification to your client.
Hand off the spreadsheet work so you can spend your time originating instead of calculating.
My submission notes keep getting kicked back by underwriters.
Lender underwriters approve files that read well. Weak narratives, missing context, or unanswered red flags = decline or endless conditions.
You get ready-to-paste lender-specific notes written the way underwriters expect to read them.
Free yourself from rewriting the same story five different ways for five different lenders.
Complex files — new-to-Canada, B-side, private — slow me down.
Niche deals require specialized policy knowledge most agents only see a few times a year.
Take on the deals you'd usually refer away. We coach you through the structure step by step.
Tap a niche specialist on demand instead of building (and paying for) that expertise in-house.
Volume spikes and I can't keep up without dropping the ball.
Rate-hold rushes, spring market, refi waves — your pipeline doubles overnight and so does your stress.
Say yes to every referral. We become your overflow underwriter so nothing falls through.
Scale your business without hiring a salaried underwriter. Pay only on the files you submit.
I'm worried about missing a deal-killer before submission.
Beacon dips, undisclosed debts, property issues, condition gaps — the lender will catch them, and your reputation pays the price.
A second set of expert eyes catches what you don't know to look for yet.
Risk-mitigate every file with a peer review before it leaves your desk. Protect your status with lenders.
Simple, Per-File Pricing
Pick the level of support each deal needs. No retainers, no monthly minimums.
Deal Review
A second set of expert eyes on your file before you submit. Catch gaps early.
- Full document review
- Lender fit recommendation
- Red-flag identification
- Written summary report
Submission Pro
Everything in Deal Review plus deal structuring and ready-to-paste submission notes.
- Everything in Deal Review
- Deal structuring guidance
- Lender-specific submission notes
- Income & GDS/TDS calculations
- Conditions strategy
Dedicated Service
White-glove underwriting partner for high-stakes or complex files.
- Everything in Submission Pro
- Direct call with our underwriter
- Multi-lender placement strategy
- Re-work & follow-up included
- Priority queue (4-hour SLA)
Volume pricing available for brokerages submitting 10+ files per month. Talk to us about a custom arrangement.
How It Works
From file submission to lender-ready package in three simple steps.
Send Us the File
Upload your client docs and a quick summary of the deal through our secure form or email.
We Underwrite It
Our team reviews income, credit, property, and structure — then writes lender-specific submission notes.
Submit With Confidence
You get a clean package back with recommendations, calculations, and ready-to-paste notes.
Need a hand with compliance and FSRA readiness?
Our Compliance-as-a-Service desk handles file audits, KYC and disclosure remediation, and Policies & Procedures manuals — per file or on a monthly retainer.
Ready to take more deals — without burning out?
Send us your next file and see what a real underwriting partner feels like.