HomeFlow Solutions™ — Governed Real Estate Platform

Active Loans

14 in underwriting

AIGR™ Issued Today

128

0 gate violations

HOLD Gates Active

Require human review

Avg Days to Close

Industry avg: 47 days

TRID Compliance

100%

0 timing violations MTD

Monthly Volume

$12.4M

Central Florida MSA

⚠️

HOLD Gate: Underwriting Review Required

Lopez, Maria — Loan #HF-2026-0847 — DTI at 43.2% exceeds standard guideline. Human review required before approval can proceed.

ℹ️

Rate Lock Expiring in 5 Days

Chen, David — Loan #HF-2026-0831 — Rate lock expires June 28, 2026. Extension or closing must be scheduled.

✅

CTC Issued: Thompson, Robert

Loan #HF-2026-0819 — All conditions cleared. Clear to Close issued. Closing scheduled June 25, 2026.

Pipeline by Stage — Central Florida

Pre-Qual

Processing

Underwriting

Conditions

CTC

Closing

Recent AIGR™ Events

Property Search — Central Florida MLS

Location

Max Price

Bedrooms

Property Type

🗺

Central Florida MLS Map

Orange, Osceola & Seminole Counties

Orlando Kissimmee Oviedo Winter Park Sanford

Affordability CalculatorAI-Governed · AIGR™ on every scenario

Annual Gross Income

Monthly Debts

Down Payment ($)

Interest Rate (%)

Loan Scenario Comparison

Product	Rate	Down	Loan Amount	P&I/mo	Est. PITI	DTI*	Action

*DTI estimated. Actual DTI verified through HOLD Standard™ gate at pre-qualification.

🛡

EVRESA Governed — AIGR™ issued on every calculation

All payment scenarios generated here pass through the HOLD Standard™ gate before display. Every calculation is receipted and timestamped.

Mortgage Calculator Central Florida · Florida State Rates

Property Price ($)

Down Payment ($)

Interest Rate (%)

Loan Term

Loan Type

Annual Property Tax Rate (%)

Annual Homeowner's Insurance ($)

Monthly HOA ($)

🛡

Halo-Review™ Checkpoint 1 Active — Pre-Qualification Gate

This application will not generate a pre-qualification letter until all data passes the ALLOW gate. AIGR™ receipt will be issued on approval.

Uniform Residential Loan Application — Form 1003 Central Florida — Florida State License Active

Borrower Information

First Name

Last Name

SSN (Last 4)

Date of Birth

Phone

Employment & Income

Employer Name

Employment Type

Annual Gross Income ($)

Years at Employer

Loan Request

Property Address

County

Purchase Price ($)

Down Payment ($)

Loan Type

Loan Term

Monthly Debts ($)

Credit Score (Est.)

Active Loan Pipeline

Loan #	Borrower	Property / County	Amount	Type	Stage	Gate	Days	LO	Action

Select File:

File:

ALLOW Gates Today

Auto-cleared

HOLD Gates Active

Awaiting human review

DENY Gates Today

2 AANs auto-generated

AIGR™ MTD

2,847

Zero gate bypasses

HOLD Standard™ Gate Logic

ALLOW

All thresholds met. Proceed. AIGR™ issued automatically.

HOLD

Human authority required. Workflow frozen until override documented.

DENY

Regulatory threshold exceeded. Adverse action notice auto-generated.

Active HOLD Gates — Action Required

Hash-Anchored Receipt (HAR™) Ledger

# AIGR™ Sample Record — Immutable Ledger Entry receipt_id: HF-AIGR-2026-004821 timestamp: 2026-06-23T14:47:32.881Z loan_id: HF-2026-0847 action: PRE_QUAL_REVIEWED gate_result: ALLOW actor_id: LO-SR-001 actor_name: Sandra Rivera model: claude-sonnet-4-6 dti: 43.2 | ltv: 80.0 | credit: 724 sha256: a3f8c2d1e4b7f9a2c5d8e1f4a7b0c3d6e9f2a5b8...

TRID Compliance

100%

0 timing violations MTD

ECOA / Fair Lending

Adverse action errors

HMDA Reportable

LAR current

AML Alerts

Pending BSA review

Federal Regulatory Compliance MatrixFlorida State · All Counties Active

Regulation	Requirement	EVRESA Control	Gate	Status	Last Checked

Buyer Agent™

Online

12 sessions today

Mortgage Agent™

Online

8 applications

Underwriting Agent™

Online

3 files active

Compliance Agent™

Online

Monitoring 47 loans

🏠 Buyer Agent™ — AIGR™ on every scenario

🏠

Buyer Agent™

● Online · EVRESA governed

Buyer Agent™

Hi! I help find properties and model financing scenarios in Central Florida. Every scenario I generate passes through the HOLD Standard™ gate before delivery. What's your target budget and preferred area?

📋 Mortgage Agent™ — HOLD Standard™ active

📋

Mortgage Agent™

● Online · HOLD Standard™ active

Mortgage Agent™

I assist with loan product selection, pre-qualification parameters, and document requirements. All recommendations pass through the HOLD Standard™ gate. No pre-qual is issued without AIGR™ validation. What product are you exploring?

🔍 Underwriting Agent™ — HAR™ on every decision

🔍

Underwriting Agent™

● Online · HAR™ anchoring active

Underwriting Agent™

I assist with condition analysis, AUS interpretation, and exception documentation. Every condition I flag or clear generates a HAR™. DENY gates trigger automatic adverse action workflow. Which loan file are you reviewing?

⚖️ Compliance Agent™ — Non-bypassable audit

⚖️

Compliance Agent™

● Online · TRID/ECOA/HMDA monitoring

Compliance Agent™

I monitor TRID timing, ECOA adverse action compliance, HMDA reporting, and AML screening across all 47 active loans. Ask me about any compliance requirement or specific loan file.

🎓

ECGP — EVRESA Certified Governance Professional

Florida State licensing requires certified governance professionals on all AI-assisted mortgage origination files. ECGP certification satisfies this requirement and provides litigation-grade documentation of qualified oversight.

Certification Modules10 Modules · 20 CEUs

Your Progress Module 3 of 10

Certified Team Members

Name	Role	Cert #	Status	Progress

🌴

HomeFlow Solutions™ — Florida Launch State · Central Florida Corporate HQ

HomeFlow Solutions™ LLC is incorporated in Florida. Corporate offices: Orlando, FL (Orange County). Licensed by the Florida Office of Financial Regulation (OFR) and Florida Real Estate Commission (FREC). Deployment active in Orange, Osceola, Seminole, and Polk Counties.

Corporate Information

Company Name	HomeFlow Solutions LLC
State of Incorporation	Florida
Corporate HQ	Orlando, FL (Orange County)
Regional Office	Kissimmee, FL (Osceola County)
App Distribution	homeflowsolutions.com — Direct Download
App Store	Not Listed — By Design
Governance Partner	EVRESA LLC · Orlando, FL
Website	homeflowsolutions.com

Florida Licensing Status

FL Mortgage Broker	Licensed · OFR
FL Real Estate Broker	Licensed · FREC
NMLS Company ID	NMLS #TBD
Designated Broker	John Rodriguez, ECGP
BSA/AML Officer	Carmen Ortiz, ECGP
Compliance Officer	Carmen Ortiz, ECGP
Coverage Counties	Orange · Osceola · Seminole · Polk
Active Markets	Orlando MSA · Kissimmee · Oviedo · Winter Park

Why Direct Download — Not App Store

✓ Zero Platform Fees

Apple charges 30% on all in-app transactions. HomeFlow Solutions™ routes 100% of transaction fees directly to the institution.

✓ Full Data Sovereignty

No GLBA-regulated financial data passes through Apple or Google servers. All data remains within EVRESA-governed infrastructure.

✓ Instant Updates

Regulatory changes (CFPB, CMS-0057-F) require immediate deployment. Direct PWA updates in minutes, not App Store review cycles.

✓ Security Control

Institutional-grade access control, MFA, and SOC 2 compliance enforced at the EVRESA layer — not delegated to third-party app stores.

Install HomeFlow Solutions™ on Any Device

iOS (iPhone/iPad): Open Safari → homeflowsolutions.com → Tap Share → "Add to Home Screen"
Android: Open Chrome → homeflowsolutions.com → Tap Menu → "Add to Home Screen" or "Install App"
Desktop (Windows/Mac): Open Chrome or Edge → homeflowsolutions.com → Click install icon in address bar
All platforms: Works offline after first install · No App Store account required · No App Store fees

Institution Settings

Institution Name

NMLS Company ID

Primary State

HQ County

Designated Broker

Compliance Officer

EVRESA Governance Configuration

DTI Threshold (Conventional)

DTI Threshold (FHA)

Max LTV (Conv. No PMI)

Min Credit Score (Conv.)

PWA / Installation

App Distribution: homeflowsolutions.com (Direct Download)

HomeFlow Solutions™ is distributed as a Progressive Web App (PWA) directly from homeflowsolutions.com. This bypasses all App Store fees, maintains full GLBA data sovereignty, and enables immediate regulatory updates without App Store review.