A Revolution in Regulated Finance

The AI-native operating system for mortgage servicing. Building a better foundation for the American Dream.

A New Foundation for Complex, Regulated Workflows

Mortgage servicing is core infrastructure for the U.S. economy, underpinning the American Dream of owning a home, yet it relies on software that pre-dates the creation of the internet.

Valon built a system of record that unifies workflows, data, and money movement into a single, coherent platform. The result is software that scales with complexity instead of collapsing under it.

$100B+

in mortgages on the platform

$230M

raised to date

3x

lower servicing cost compared to industry

92%+

homeowner satisfaction (vs. industry average of 70%)

Modern Servicing Runs on ValonOS

System of Record

Workflows

Task Management

ValonOS: The unified platform

$ npm install @valon/os

 

Installing ValonOS...

AI agents configured

Workflows ready

Database connected

Compliance checks passed

 

Tim Mayopoulos
Mortgage servicing should foster trust and consumer confidence. ValonOS is the modern, auditable system of record that brings data integrity and operational rigor to the servicing stack. With governance built in, it enables servicers to deploy AI capabilities safely at scale in a highly regulated environment, raising the bar on performance without increasing risk.

Tim Mayopoulos

Former President & CEO, Fannie Mae

Angela Strange
I’ve evaluated dozens of companies trying to modernize mortgage infrastructure. Most build software layers on top of antiquated systems. Valon took the much harder, durable path and rebuilt a modern platform from scratch. Andrew and Linda have assembled a team with the rare combination of mortgage domain expertise, regulatory know-how, and world-class product and engineering. The team is just getting started: building AI agents that can make auditable decisions in one of the most regulated environments in finance is not a problem you can solve in a research lab.

Angela Strange

General Partner, a16z

Michael Nierenberg
We believe ValonOS will bring real operational efficiency, scalability, and innovation to Newrez and its clients. This is exactly the kind of early-stage opportunity we look for—where technology and vision can create outsized value over the long term.

Michael Nierenberg

CEO, Rithm

Tim Mayopoulos
Mortgage servicing should foster trust and consumer confidence. ValonOS is the modern, auditable system of record that brings data integrity and operational rigor to the servicing stack. With governance built in, it enables servicers to deploy AI capabilities safely at scale in a highly regulated environment, raising the bar on performance without increasing risk.

Tim Mayopoulos

Former President & CEO, Fannie Mae

Angela Strange
I’ve evaluated dozens of companies trying to modernize mortgage infrastructure. Most build software layers on top of antiquated systems. Valon took the much harder, durable path and rebuilt a modern platform from scratch. Andrew and Linda have assembled a team with the rare combination of mortgage domain expertise, regulatory know-how, and world-class product and engineering. The team is just getting started: building AI agents that can make auditable decisions in one of the most regulated environments in finance is not a problem you can solve in a research lab.

Angela Strange

General Partner, a16z

Correctness First, Automation at Scale

Mortgage System of Record

Valon replaces fragmented legacy platforms with one authoritative system of record for mortgages that keeps mortgage data correct, consistent, and reconciled.

loan_doc.pdf

2.4 MB

Extracted Fields

Loan Number

LN-2024-847291

Address

1847 Oak Valley Dr

Principal Balance

$342,500.00

Interest Rate

6.875%

Monthly Payment

$2,847.33

Maturity Date

03/01/2054

Complete Financial Visibility

Every transaction, balance, and audit event in a single source of truth. Real-time visibility across your entire portfolio with the compliance trail built in.

Date

Description

Amount

Status

Balance

Jan 15

Principal Payment

-$1,247.83

Cleared

$341,252.17

Jan 15

Interest Payment

-$1,962.17

Cleared

$341,252.17

Jan 14

Escrow Deposit

+$487.50

Pending

$342,500.00

Jan 12

Late Fee Waiver

$0.00

Applied

$342,500.00

Jan 10

Insurance Refund

+$156.25

Pending

$342,343.75

Jan 8

Tax Disbursement

-$892.40

Cleared

$343,236.15

Automatically Distributed Work

Thousands of tasks are triggered by our customizable workflow platform and orchestrated on our Task Management system daily. Work is routed intelligently to the right team with the right priority.

Task Management

12 pending

SC

Review payoff request

2m ago

High

MT

Process escrow disbursement

5m ago

Medium

JP

Verify insurance docs

12m ago

Medium

AL

Approve modification

18m ago

Low

SC

Update borrower info

22m ago

Medium

MT

Review tax exemption

28m ago

High

Contextual Agent Automation

AI agents that handle the complexity so your team can focus on exceptions. From routine decisions to complex workflows, automated with precision.

Valon Agent

Active

Analyzing document…

Extracting loan terms…

Validating against schema…

Cross-referencing records…

Routing to queue…

Suggested Actions

Review escrow analysis

Flag for manual review

Auto-approve

Ask the agent…

Inside Valon

See all posts

We’re looking for exceptional individuals who care about getting it right, who want to think in decades rather than quarters. Every role at Valon is an opportunity to build infrastructure that works for people, not against them.

See open positions
Valon team collaborating in the office