Mortgage Lending · Underwriting
Underwriting guidelines by product
A manual setting out the qualifying rules a lender applies to each mortgage product it offers.
What it usually contains
- Minimum credit score, loan-to-value and debt-to-income limits per product
- Accepted income and asset documentation by borrower type
- Property, occupancy and loan purpose eligibility rules
- Reserve requirements, maximum loan amounts and layered-risk restrictions
- Exception and compensating-factor policies with approval authority levels
What the assistant uses it for
Use it to check whether a borrower, property, or loan scenario qualifies for a given program, and to confirm what documentation or ratios underwriting requires. It also answers when an exception is permitted and who must sign off.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
On one AI system
Everything your company knows.
One version that counts.
You already own the documents. We make them the only thing your AI is allowed to answer from, and we keep them current — so nobody quotes last year’s price by accident again.