01
Underwriting that writes its own conditions
Every closing and funding condition generates from the product and the borrower, and many sign off automatically. Fully AI-driven underwriting is coming soon.
Coming soon
Underwriting that writes its own conditions.
DirectWare is one mortgage system with a built-in underwriting engine. Every closing and funding condition generates from the loan product and the borrower, and many sign off on their own. Live in 30 days, priced per closed loan.
Hosted by us · Each lender's data kept separate · Fully AI-driven underwriting coming soon
30 daysto go live
Per closed loanpricing, no seat fees
1 systemLOS to accounting
0 serversfor you to run
ProductConv 30-yr fixed
BorrowerSample borrower A
IncomeW-2 + self-employed
✓Auto signed off
Verify employment (W-2)
Prior to closing · from product rules
✓Auto signed off
2 years business tax returns
Prior to closing · from borrower profile
✓Auto signed off
Appraisal ≥ purchase price
Prior to closing · from product rules
•Waiting on borrower
Explain large deposit on 9/14
Prior to closing · from bank statements
✓Auto signed off
Hazard insurance with mortgagee clause
Prior to funding · from product rules
•Sent for e-sign
Final CD signed
Prior to funding · e-sign
14 conditions generated · 10 signed off automatically No one typed a condition.
The biggest difference
An underwriting engine inside the LOS, not bolted on.
Pick the loan product and DirectWare builds the condition list for that product and that borrower. Many conditions clear themselves when the data proves them.
- Conditions generate automaticallyEvery closing and funding condition, from the specific product chosen and each unique borrower.
- Automatic sign-offMany conditions sign off with no human intervention.
- Fully AI-driven underwriting Coming soonWith the integrated AI agent, every underwriting step runs without human intervention.
PAuto
FHA 30-yr → MIP certificate
Product rule
BAuto
Self-employed → P&L year-to-date
Borrower rule
BAuto
Gift funds → gift letter + donor statement
Borrower rule
PAuto
Condo → HOA questionnaire
Property rule
AIComing soon
Review and clear remaining conditions
AI agent
Your application
Purchase · $425,000Loan amount
Employment verifiedIncome & assets
3 documentsUploaded
Submit application
Instantly →
BorrowerStageAmountLO
Sample borrower DNew · just now$425,000Sample LO 1
Sample borrower CProcessing$310,500Sample LO 2
Sample borrower BUnderwriting$612,000Sample LO 1
Sample borrower AClear to close$389,900Sample LO 3
Mobile intake
The borrower taps submit. The loan is already in your queue.
The integrated mobile app writes straight into the LOS. No exports, no "push to LOS" button, no re-keying. The loan starts and shows in the LOS and POS queues the moment the borrower submits.
Back office built in
Funded in the LOS. Booked in accounting.
Mark a loan funded and the journal entries post themselves. Plaid reconciles the bank every day, and bills pay in one click through Today Payments, Inc. HR runs in the same system, with a time clock and user rights management.
| Account | Debit | Credit |
|---|---|---|
| Loans held for sale | 425,000.00 | |
| Warehouse line payable | 416,500.00 | |
| Cash — operating | 8,500.00 |
Bank reconciliationMatched daily via Plaid
Bill payOne click · Today Payments
Time clockClocked in: 12 of 14
User rightsRole-based, per user
Why lenders switch
More system, less cost, live in 30 days.
02
Live in 30 days
One hosted system means no separate vendors to integrate before you can close a loan. Encompass rollouts are commonly reported at 6–12 months.1
03
Mobile app straight into the LOS
Submit in the app and the loan is in your queues instantly.
04
Back office included
HR time clock and user rights, automatic journal entries, Plaid bank rec and one-click bill pay.
05
Pay per closed loan
No per-seat licenses. Pricing details coming soon.
06
Hosted by us
Nothing to install or patch. Each lender's data is kept separate.
Platform
Everything a lender runs on, in one place.
Underwriting engineAuto conditions and sign-off.
Mobile appInstant LOS intake.
LOS & pipelineDashboards scoped by user.
Online applicationWeb apply flow for borrowers.
PricingRate sheets and lock quotes.
E-sign & CDDisclosures, fees, signatures.
LO websitesBuild and retire themselves.
HRTime clock and user rights.
AccountingGL, bank rec, bill pay.
Secondary & partnersHedging, partner portal.
Also coming soon: an AI assistant across DirectWare, and fully AI-driven underwriting.
Compare
DirectWare vs. a stack of vendors
What comes in the box, compared with commonly used mortgage platforms.
| Platform | Time to go live | Auto conditions / underwriting | Mobile app → LOS | HR / time clock | Accounting | Pricing model |
|---|---|---|---|---|---|---|
| DirectWare | 30 days | Built in: generated and auto signed off | Instant, no buttons | Built in | Built in: GL, bank rec, bill pay | Per closed loan |
| ICE Encompass | Commonly reported 6–12 months1 | Rule-based templates | Via POS | Third-party | Third-party | Per user + per loan (reported) |
| Blend | Varies | POS only | Mobile POS, syncs to an LOS | Third-party | Third-party | Not public |
| MeridianLink | Varies | Rule-based | Via POS | Third-party | Third-party | Not public |
| Floify | Varies | POS only | Mobile POS, pushes to an LOS | Third-party | Third-party | Per LO (published) |
Competitor details reflect public positioning and are not verified by their vendors. 1 Encompass enterprise implementations are reported at 6–12 months by thelosdirectory.com (thelosdirectory.com/best/enterprise-lenders); ICE case studies describe six-month rollouts (for example SWBC, 650 users), and some faster ones. Timelines vary by lender.
Sample lender site
See your company on DirectWare.
Open a sample lender site, then enter your company name, logo, colors, NMLS, states and loan officers. The site re-renders in your brand, right in your browser. Nothing is saved unless you request early access.
Open the sample lender siteAbout
Built by a lender, for lenders.
Photo
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James (Jim) BeechIn mortgage lending since 1994
James Beech has spent more than 30 years in mortgage lending. In 1994 he founded a wholesale mortgage lender in Utah, led it as CEO, and later sold it. The lender bought and sold residential mortgage loans across the country. Before mortgages, he ran a furniture business, and he studied chemical engineering at the University of Utah.
His lender began moving to a virtual business environment in 1998, and in 2005 it pioneered a paperless mortgage underwriting process. DirectWare grew out of that work. It was the holistic loan origination system the lender built and ran its own loans on, automating underwriting, compliance review and each step of the file from credit report to closing.
James has long pushed to automate nearly every part of mortgage lending. On the Pioneers AI podcast in 2023, he described building AI that lenders can trust, based on verified data, rules that decide the way an experienced underwriter would, and human oversight. Direct Services, LLC is now bringing DirectWare to other lenders.
1994Founded his mortgage lender.
2005Pioneered paperless mortgage underwriting.
HostedBy us, with each lender's data kept separate. Security & data
30 daysFrom kickoff to live.
FAQ
Questions lenders ask
How much does DirectWare cost?
DirectWare is priced per closed loan, so you pay when you close loans rather than per seat. Pricing details are coming soon; join early access to hear first.
How long does it take to launch?
Lenders can be live in 30 days. Because DirectWare is one hosted system, there is no separate POS, pricing, e-sign, HR or accounting vendor to integrate first.
What is included?
The underwriting engine with automatic conditions and sign-off, the borrower mobile app and online application, LOS and pipeline dashboards, pricing and rate sheets, e-sign, Closing Disclosure and fees, self-building loan officer websites, HR (time clock and user rights) and accounting (automatic journal entries, Plaid bank reconciliation, one-click bill pay). Fully AI-driven underwriting and an AI assistant are coming soon.
Who hosts it?
We do. DirectWare is hosted for every lender, with nothing to install, and each lender's data is kept separate. There is no self-hosted option.
Is DirectWare available today?
DirectWare is coming soon to outside lenders. Request early access to be among the first lenders onboarded.
Early access
Be one of the first lenders on DirectWare.
Tell us about your company. We'll reach out as onboarding opens, with pricing details and a 30-day launch plan.
Early-access sign-up opens shortly.
The online form isn't taking requests yet. Check back soon. Current DirectWare users can sign in.