How it works

Three steps from accredited capital to AI-scored loans

MortgageAgent runs a continuous loop — deploy capital into vetted originations, re-score every position against the live risk model, and watch the ledger around the clock. The three steps below are how the loop actually runs.

The portfolio loop

Capital in, risk scored, positions watched

Each step keeps the previous one honest — capital only routes into a loan the model clears, and the model only trusts a loan the ledger confirms.

Capital deployment

Accredited capital is diversified across vetted short-term mortgage loans sourced through the originator partner network. Every loan clears the same risk model that powers the public scorer — nothing funds a position that the model wouldn’t fund itself.

Agent risk assessment & rebalancing

Your AI portfolio manager continuously scores every active position against the risk model and rebalances exposures as conditions change. You can run the same scorer on a sample loan before you commit — see the score, then decide.

24/4 portfolio monitoring

Every position is recorded in a Postgres-backed loan ledger — the same record the loans dashboard reads — and watched by scheduled background jobs declared in polsia.toml. Reports are transparent; alerts are surfaced the moment a position drifts.

Want the deeper picture? Read the partner program for how originations feed the loan-grade pipeline, or try the scorer on a sample loan to see the risk model in action.

Ready when you are

See the portfolio in action

Every funded loan starts the same way — accredited capital routed into a position the risk model clears. Apply through the existing accreditation intake and the investor desk will open an allocation conversation.

Apply to invest Email investor relations