AIVAA™ — OUR AI VALUES YOUR PROPERTY IN MINUTES. NO $3,000 APPRAISAL, NO THREE-WEEK WAIT
Borrowers, brokers, capital partners and regulators should be able to see the rules we lend by. Every policy and guideline below is the current approved version. Share your details once and we’ll email the PDF — we use that to track who requests our policies.
Our platform runs on AI-assisted underwriting, and that makes written, human-approved policy more important, not less. These are the standards we hold ourselves to when we publish.
We post the full approved document, not a marketing digest. What our underwriters and compliance team work from is what you can read.
Each document carries a policy number, version, effective date and named owner, so you always know which rules applied to a given loan.
Policies are reviewed at least annually and whenever law, regulation or investor requirements change materially. The next review date is listed with each one.
Our models support decisions; they don't own them. Accountability for every credit decision rests with CR Equity AI and its authorized personnel.
All documents are PDF. Enter your details once and we email the file — it does not open in this browser. Where a policy and an applicable law or investor requirement differ, the more stringent standard controls.
Our enterprise-wide program for customer due diligence, OFAC sanctions screening, suspicious activity monitoring and reporting, training and independent testing.
How we verify the identity of borrowers, guarantors and sponsors, obtain and use credit reports, and run background checks for Non-QM and business-purpose lending.
How we screen employees, officers, owners and contractors against SAM.gov, HUD LDP, the Freddie Mac Exclusionary List, FHFA's Suspended Counterparty list, state debarment lists, OFAC, Interpol and PEP databases.
The controls that keep every valuation independent: separation of loan production from valuation management, prohibited conduct, appraiser panel management, customary fees and borrower delivery of appraisals.
Our quality assurance surveillance plan: loan sampling, pre-funding and post-closing review, reverification, AIVAA model governance and override tracking, defect severity and corrective action.
Program, product and eligibility rules for our Non-QM lending, including loan amounts and LTVs, documentation types, occupancy and transaction types, and fair and responsible lending statements.
Our three-pillar diligence framework (personal, project and feasibility), review gates, credit parameters, asset class guidelines, mandatory stress tests and automatic decline triggers.
If you need a prior version, want to know which policy applied to a specific loan, or are an investor, warehouse lender or regulator requesting supporting records, email our operations team.
© 2026 CR Equity AI, Inc. NMLS ID 2797309. Equal Housing Lender. Published policies are provided for transparency and informational purposes; they do not constitute an offer to lend, a commitment, or legal advice.