From the first conversation to signing.
HOROS connects buyers, property agencies and ICIs through a shared case to prepare financing, coordinate work and support the entire operation.
For ICIs (mortgage credit intermediaries) and property agencies. With Horosia, the team understands the case and prepares the next step.
01 / FRONTLINE · FIRST CONTACT
Frontline is where HOROS manages first contact. It connects WhatsApp and email conversations with tasks, owners and follow-up, so the team can pick up each opportunity with context and know how to continue.
WhatsApp, email and the contact source connected.
An owner, next action and visible open items.
Resume conversations and keep opportunities in view.
An interested person does not yet have a mortgage case. First, understand the need and develop the opportunity.
02 / ORIGINATION · CONNECTED PEOPLE
As the opportunity progresses, the ICI receives the context the team has already gathered. The Mortgage Case connects the buyer, property and outstanding work: everyone picks up from the same point, without reconstructing the operation.
Supports the opportunity and follows its progress.
Participates, provides information and knows what comes next.
Receives the context and coordinates preparation.
The case starts through an explicit action. Each person accesses the information appropriate to their role.
03 / CASE · DOCUMENTATION
Buyers know what to provide and why. ICIs find documents, versions and outstanding items in the case, with a plan for each applicant. They can prepare the operation without chasing files scattered across emails and conversations.
Visible requirements, owners and outstanding items.
Documents and versions linked to the case.
Findings and data subject to ICI validation.
Uploading a document does not validate its information. Review preserves sources and resolves discrepancies.
04 / HOROSIA · INTELLIGENCE IN CONTEXT
Horosia helps ICIs understand the case status, its blockers and next steps, with references to available information. The calculator explores purchase scenarios and scoring provides an explainable viability assessment.
Purchase, cost and financing scenarios.
Viability, conditions and reasons for the ICI.
Context and next steps supported by sources.
AI explains and proposes. ICIs review and decide. A scenario or assessment is not a bank approval.
05 / STRATEGY · LENDER RELATIONSHIPS
With a prepared case and the necessary authorisations, the ICI defines a financing strategy. HOROS organises the dossier, lender submissions and responses so every information request has context and follow-up.
Explainable criteria, information gaps and fit.
A specific version of the evidence presented.
Requests, responses and next actions.
Submissions require authorisation. Every response retains its own status and history.
06 / OFFERS · INFORMED CHOICES
HOROS brings offers and their versions together to compare terms, costs and linked products using visible criteria. Buyers and ICIs can assess alternatives with the same context.
Terms and costs using consistent criteria.
An identifiable offer and version.
Lenders decide on funding. The buyer and professional explicitly select the offer to proceed with.
07 / FORMALISATION · SIGNING
Valuation, FEIN, FiAE, the notary and signing: HOROS coordinates milestones, documents and owners so the team and buyer know what remains before closing.
Owners, deadlines and closing documents.
Visible milestones and outstanding items until signing.
Continuity from first contact through to closing.
Signing requires the necessary checks and evidence. Closing preserves the history of the entire journey.
THE PLATFORM, IN DETAIL
HOROS is the operating system for mortgage intermediation: it connects commercial acquisition, financial preparation and ICI operations through to signing. The Mortgage Case provides continuity throughout that journey.
The property purchase moves in one direction and financing in another. Documents in emails, follow-up in conversations and data in spreadsheets: every handover means recovering context and working out what is missing.
HOROS connects buyers, properties, documents, tasks, lenders and offers in a living case. Each action retains its context, owner and evidence. The team knows where the operation stands and what should happen next.
Context stays with the operation, from preparation to signing.
THREE PERSPECTIVES · ONE SHARED CASE
Information is shared according to each participant’s role. Buyers understand their process, property agencies support it and ICIs lead the operation.
ICI · MORTGAGE CREDIT INTERMEDIARY
Receive the commercial context and coordinate documents, lender strategy, offers and closing. See the actual status, blockers and who needs to act, with a history of what happened and why.
Control of the operation, from initial analysis to signing.
PROPERTY AGENCY
Connect buyers with financial preparation before the purchase depends on a last-minute answer. Support opportunities and follow shareable progress without needing access to restricted financial documents.
Continuity with the ICI. HOROS works alongside your CRM.
BUYER
Explore indicative scenarios, prepare your documents and respond to tasks in your operation. Understand the alternatives and follow milestones through to signing with your ICI, without starting again at every step.
A clear journey, with information and permissions under control.
CAPABILITIES THAT WORK TOGETHER
Each capability answers a specific question and stays connected to the case. Calculations, documents and decisions become part of the same work.
Which purchase fits this situation?
Explore scenarios for income, savings, costs and financing, and relate them to a property. Assumptions and missing information remain visible so the scenario can be reviewed with the ICI.
What is missing before moving forward?
Scoring helps the ICI assess viability with visible reasons and conditions. Document readiness identifies missing information: these are separate assessments. Neither constitutes a lender approval.
How is the operation presented and followed up?
Assess compatibility criteria, prepare the dossier and coordinate authorised submissions. Keep the version sent, each lender’s requests and responses, including when submissions use a manual channel.
What changes between the alternatives?
Bring terms, costs and linked products together to compare offers using consistent criteria. The selected offer and its version are identified; the buyer and professional make the decision.
What remains before signing?
Connect valuation, FEIN, FiAE, deadlines, the notary and signing with their documents and owners. The case keeps milestones and outstanding items visible until formalisation is complete.
Which requirements must be evidenced before moving forward?
Connect regulatory controls, deadlines, disclosures and evidence to the case. The detail shows what was evaluated, what is missing and which action remains blocked.
HOROS REGULATIONS · REGULATORY CONTROLS
HOROS Regulations applies jurisdiction-specific, versioned controls to the case. It connects every requirement to its source, effective period, evidence and result so ICIs and Compliance can see what was evaluated, what is missing and what blocks the next step.
The regulatory pack identifies the jurisdiction, version, effective period and source of each requirement. An update never rewrites the case history.
Each evaluation retains the data and documents used, result, reasons and date. Pre-contractual information and deadlines remain visible.
If mandatory evidence is missing or a check is uncertain, the action is blocked. Every exception requires authorisation, reason, scope, expiry and evidence.
HOROS helps teams operate and demonstrate process controls. It does not certify that an operation is “LCCI compliant”, provide legal advice or replace the ICI, lender or notary.
HOROSIA · THE ICI’S COPILOT
Horosia helps ICIs consult the case and available knowledge, summarise its situation and identify missing information. Answers connect explanations to their sources so the ICI can review them and prepare the next step.
TRUST THROUGHOUT THE JOURNEY
Working on one case requires distinguishing what each participant can view or contribute, and for what purpose. HOROS connects mortgage operations with Affinity’s identity, consent and evidence capabilities.
Participants access the information they need and are authorised to use for their role.
Authorisations accompany the use and submission of information throughout the operation.
Documents, reviews and actions retain the references needed to understand each step.
From the first conversation to signing. HOROS at every step.
Contacts, cases, documents, analysis and closing. Connect your team and support the buyer throughout the mortgage operation with HOROS.
Request demoHOROS is a technology platform. AI assistance requires ICI review. Funding decisions belong to the lender.
