Empower Your Borrowers. Elevate Your Pipeline.
Licensed RMLOs can now offer live interest rates, verify borrower information, and empower aria.mortgage users to self-generate their pre-approval letters — all on-the-go.
How aria.associates Works
A seamless two-app ecosystem connecting Licensed RMLOs with borrowers in real-time.
aria.associates allows Licensed RMLOs to offer live interest rates, verify user information, and enable end users (using the aria.mortgage app) to self-generate their pre-approval letters. There was a big need for RMLOs doing all this on-the-go — and this app solves that problem.
RMLOs can run unlimited what-if scenarios. You can access all information input by aria.mortgage users, review their work, and make any necessary corrections. RMLOs confirm and verify information, which leads to aria.mortgage users generating fee worksheets, amortization tables, pre-qualification letters, and pre-approval letters.
aria.mortgage users share their credit-related information, income, liabilities, assets, and all data required to calculate monthly payments, cash-to-close, and effective interest rates.
Basically: aria.associates is for Licensed RMLOs to provide support to aria.mortgage users. Each aria.mortgage user authorizes select RMLOs to access their information. Both apps are part of one platform — allowing seamless, purpose-based integration to generate accurate mortgage loan calculations for specific borrower needs.
From aria.associates, RMLOs are available to answer questions on the fly. This app does not offer loans nor accept loan applications.
For aria.mortgage Users
Borrowers input their financial information, property details, and scenarios through the aria.mortgage app. They authorize specific Licensed RMLOs to access their data for personalized guidance and verification.
For Licensed RMLOs
Access authorized borrower information, review and verify data, offer live interest rates, run scenarios, make corrections, and generate pre-qualification or pre-approval letters — all from your mobile device.
What Licensed RMLOs Can Do
Complete mobile mortgage advisory capabilities at your fingertips.
Live Interest Rates
Provide real-time, accurate interest rate quotes to authorized borrowers based on their specific scenarios and qualifications.
Information Verification
Review, confirm, and verify borrower-submitted data including income, assets, liabilities, and credit information.
Scenario Analysis
Run unlimited what-if scenarios to help borrowers understand different purchase, refinance, and loan structure options.
Data Correction
Make necessary corrections to borrower information to ensure accuracy in all calculations and documentation.
Document Generation
Generate professional fee worksheets, amortization tables, pre-qualification letters, and pre-approval letters instantly.
On-the-Go Support
Answer borrower questions in real-time through secure in-app messaging while reviewing their complete financial profile.
Important: This app does not offer loans nor accept loan applications. It is a professional advisory and calculation tool for Licensed RMLOs to support borrowers using the aria.mortgage app.
Licensing & Access Requirements
aria.associates is restricted to Licensed Residential Mortgage Loan Originators only.
⚠️ Licensed RMLOs Only
Only Licensed RMLOs are authorized to offer rates with an assigned NMLS number. Not everyone can start using this app.
Only licensed Residential Mortgage Loan Originators (RMLOs) with proper state licensing are authorized to use aria.associates. The information shared through this app requires a valid license and authority within your jurisdiction (licensed in individual states within USA). Unlicensed persons cannot provide interest rates — hence the access limitations.
Request Access
To get access to aria.associates, please contact the app publisher:
Good luck!
State Licensing Required
You must be licensed in the individual states within the USA where you intend to serve borrowers. Each state has specific requirements for RMLOs.
NMLS Number Required
A valid, active NMLS (Nationwide Multistate Licensing System) number is required to offer interest rates and access the platform.
Verification Process
Your license and credentials will be verified before access is granted. This ensures compliance and protects borrowers.
One Platform, Two Apps, Seamless Integration
aria.mortgage and aria.associates work together to create the ultimate borrower-RMLO experience.
aria.mortgage (Borrower App)
- Self-service financial input
- Property scenario building
- FICO score tracking
- Document uploads
- Authorize RMLO access
- Receive verification
- Generate documents
- Secure messaging with RMLO
aria.associates (RMLO App)
- Access authorized borrower data
- Provide live interest rates
- Verify borrower information
- Run what-if scenarios
- Make data corrections
- Generate professional documents
- Offer real-time support
- Maintain compliance standards
When borrowers authorize you, you gain complete visibility into their mortgage readiness — enabling you to provide expert guidance with precision and speed.
Your Branded Borrower Experience
Your face. Your license. Your company. Your expertise.
Your Identity
Your LO photo & contact information, company logo & branding, NMLS license information, and integrated communication channel.
Instant Trust
Creates instant trust and positions you as the borrower's personalized mortgage expert — from the very first tap.
Borrowers Can Manage Everything
- FICO Score (Self-Entered + Verified)
- Employment & income types
- Self-employed & business income
- Liabilities & monthly payments
- Assets, bank accounts, gift funds
- Credit report pulls
- Co-borrower info
- Full property details
- Purchase or refinance scenarios
Precision Mortgage Logic
Everything your LOS, pricing engine, and worksheets do — simplified for real-time scenario analysis.
Supported Loan Programs
Conventional • FHA • VA • USDA • Jumbo • Full Non-QM Suite
Non-QM Programs
- Bank Statement
- DSCR
- Foreign National
- ITIN
- P&L
- Asset Depletion
- WVOE
- No Ratio
Automated Logic
- Income Calculations & Trending
- Max DTI Limits
- Max LTV / CLTV
- MI Requirements
- Reserve Requirements
- FTHB Eligibility
- Property Type Adjustments
- Buydowns & Escrows
Complete Calculations
- DPA Assistance & Credits
- Cash-to-Close
- Monthly Payment Breakdown
- Tax & Insurance
- HOA & MI
- Reserves
- Escrows
- Full Qualification
Scenario Builder
From "What if?" to "Yes, you qualify" in minutes.
Purchase Scenarios
- Purchase price
- Property taxes
- HOA
- Insurance
- Down payment %
- Reserves
- Credits & DPA
- Occupancy
- Residency type
- Loan type
- Buydown structure
- Flex terms
- Sub-programs
Refinance Scenarios
- Target cash-out amount
- Payoff structure
- MI removal
- Debt consolidation
- Payment savings breakdown
Instant Results
- Full Monthly Payment Breakdown
- Cash-to-Close Summary
- DTI Qualification
- Reserve Requirements
- MI, Taxes, Insurance Included
- "You Qualify" Confirmation
Initial Fee Worksheet
Professional accuracy in one click.
- Loan structure
- APR calculations
- Closing costs
- Lender fees
- Escrows
- Credits
- MI & rate details
- Cash-to-Close breakdown
- Loan summary
- Total monthly payment
Credit Report Integration
FICO TU4 with borrower permission.
- Soft pull credit
- FICO 4 scoring
- Report details
- Hard inquiry tracking
- Identity details
The Heart of aria
Because mortgages aren't just numbers. They're people.
When Obraj Inc.'s CEO, Edi Shek, helped a woman with Parkinson's disease at breakfast, she later gifted him a handmade butterfly — a delicate piece she spends a month crafting because of her limited motor ability.
"I'm giving this to you because you noticed me."
That butterfly became Aria — a symbol of kindness, transformation, patience, and humanity.
The aria platform is built with that spirit. Technology with a heart. Software that empowers. Tools that elevate lives.
Who It's Designed For
Licensed Loan Officers
State-licensed RMLOs with NMLS numbers who want mobile mortgage advisory capabilities.
Mortgage Brokers
Licensed professionals providing borrowers with premium, modern experiences and real-time support.
Independent RMLOs
Self-employed mortgage professionals who need enterprise-level tools on mobile devices.
Mortgage Teams
Licensed team members who need consistent workflows and seamless borrower communication.
Non-QM Specialists
Licensed RMLOs specializing in alternative documentation who need advanced calculation tools.
Ready to Get Started?
If you're a Licensed RMLO with an active NMLS number and proper state licensing, request access to aria.associates today.
Contact us to verify your credentials and begin transforming your mobile mortgage practice.
Good luck!
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