AI-Powered Mortgage Automation That Handles 80% of the Work
Reduce manual effort in loan audits, income verification, and compliance reviews with AI-driven automation. Infrrd Ally’s intelligent mortgage agents are trained to process financial documents, detect discrepancies, and streamline quality control—so you can focus on strategic decision-making.
Your Regular Income Calculator Could Never…
analyze a stack of documents in seconds
adapt to complex borrower profiles without breaking a sweat
flag discrepancies before they become compliance headaches
learn and improve with every audit you perform
Mortgage Ally does all this and more, making your old calculator look like a relic
Product Features
Why Infrrd Ally is the Ultimate AI for Mortgage Income Calculation
Fannie Mae Guidelines
Freddie Mac Guidelines
USDA Loan Requirements
VA Loan Standards
FHA Guidelines
Jumbo Loan Requirements
Self-Employment Income Analysis
Debt-to-Income (DTI) Ratio Validation
Tax Transcript Reconciliation
Fannie Mae Guidelines
Freddie Mac Guidelines
USDA Loan Requirements
VA Loan Standards
FHA Guidelines
Jumbo Loan Requirements
Self-Employment Income Analysis
Debt-to-Income (DTI) Ratio Validation
Tax Transcript Reconciliation
Fannie Mae Guidelines
Freddie Mac Guidelines
USDA Loan Requirements
VA Loan Standards
FHA Guidelines
Jumbo Loan Requirements
Self-Employment Income Analysis
Debt-to-Income (DTI) Ratio Validation
Tax Transcript Reconciliation
Retirees or Fixed Income
Borrowers
Seasonal or Gig Workers
Commission-Based Earners
Multiple Income Sources
Self-Employed Borrowers
Newly Employed Borrowers
Co-Borrowers
Income
Real Estate Investors
Income
Retirees or Fixed Income
Borrowers
Seasonal or Gig Workers
Commission-Based Earners
Multiple Income Sources
Self-Employed Borrowers
Newly Employed Borrowers
Co-Borrowers
Income
Real Estate Investors
Income
Retirees or Fixed Income
Borrowers
Seasonal or Gig Workers
Commission-Based Earners
Multiple Income Sources
Self-Employed Borrowers
Newly Employed Borrowers
Co-Borrowers
Income
Real Estate Investors
Income
Business-Level Advantages
AI-Powered Mortgage Income Calculation & Verification | Infrrd Mortgage Ally
Speed up. Scale up. Stand out. Mortgage Ally doesn’t just save you time—it transforms how you work. Faster loans, happier clients, and effortless growth start here.
They don’t just perform individual tasks—they think, decide, and adapt in real-time to keep your business ahead
They don’t just perform individual tasks—they think, decide, and adapt in real-time to keep your business ahead
Faster Loan Closures, Higher Revenue
Speed up income calculations, close more loans, and boost your bottom line.
Scale Without Extra Costs or Stress
Handle more loans effortlessly while keeping operations lean and efficient.
Stronger Client Trust, Loyal Partnerships
Deliver precise, compliant results that enhance credibility and ensure long-term success.
Business-Level Advantages
Still Stuck with the Old Ways?
Look What You’re Missing!
Feature
Regular Income Calculator
Automated Income Calculation [ALLY]
Easily manage complex income profiles (self-employed, bonuses, etc.)
Multiple income sources leads to miscalculations
Automatically adhere to strict mortgage underwriting standards
Requires manual cross-checking, increasing risk of compliance errors
Completely eliminate the risk of manual entry mistakes
Prone to human errors, miscalculations, and data inconsistencies
Effortlessly handle high volumes of income data in record time
Time-consuming and labor-intensive, slowing down loan processing
Seamlessly calculate averages for variable income streams
Requires manual input and spreadsheet calculations
Proactively flag discrepancies to ensure compliance every time
Errors can go unnoticed, leading to compliance risks
Continuously learn and improve for smarter income audits
Static formulas; cannot adapt to changing lending guideline
Minimize time spent on each loan, freeing up resources for more cases
Slow processing increases workload & delays approvals
Ensure comprehensive audit trails for transparency and compliance
No built-in tracking; requires manual documentation
How Mortgage Automation Works
Step-by-Step AI-Powered Mortgage Income Calculation
A smarter way to verify borrower income, automate calculations, and ensure compliance with mortgage guidelines. Infrrd Ally handles the heavy lifting while you oversee with confidence.
1
Upload Borrower Documents
Drop in pay stubs, W-2s, tax returns, or entire loan packages, and let Ally do the rest
2
Chat with Your Documents
Need clarification? Ask Ally questions directly about any document or borrower’s financials and get instant, actionable insights.
3
AI-Powered Data Extraction
Ally extracts and organizes income data like gross pay, deductions, bonuses, and more with precision and speed.
4
Verification: Apply Mortgage Guidelines Automatically
Automatically apply industry standards like Fannie Mae and Freddie Mac, or customize Ally with your own underwriting rules and guidelines to ensure every calculation meets your unique requirements.
5
Gain Insights on Loan Packages
Ally goes beyond calculations—get a comprehensive overview of loan package readiness and income trends and identify bottlenecks before they arise
6
Cross-Check, Flag Issues, and Suggest Next Steps
Ally doesn’t just flag discrepancies; it provides actionable recommendations on how to address them—ensuring compliance and guiding you toward resolution
7
Generate Audit-Ready Results
Download compliant, audit-ready reports with all supporting documentation in minutes
8
Learn & Improve
Ally adapts to your workflow, becoming smarter and more tailored with every interaction
9
Enhanced Security Measures
Ally offers advanced encryption and security features to protect sensitive borrower information during the entire loan processing journey.
Here’s What Companies Are Saying About Us
Recognition
Leader
Leader in IDC MarketScape 2023
Leader
10 Gartner’s IDP Research including hype cycle reports 2023
Leader
Leader in ISG Provider Lens™ (IPL) Quadrant study 2023
Leader
Star Performer in Everest Group’s PEAK Matrix® for the fourth consecutive year
Leader
Recognized as a Leader in Zinnov Zones 2024
