Mortgage — Loan Fallout Premortem

Industry front door for premortem. Adds domain triggers, example, packs only. Parent Process unchanged.

Activate when: a file is submitted or in underwriting; rate lock is ticking; "what could kill this loan before closing?"; thin-file or borderline borrower. Do NOT activate when: clear-to-close with no open conditions.

Why this variant

The parent premortem imagines the failure and works backward. Loan fallout (denied/withdrawn after lock) wastes the borrower's rate, the LO's pipeline, and risks a lock extension cost. Premortem surfaces the killers while there's still time to cure.

Domain inputs → parent's Process

Imagine the loan died at underwriting — why?

• Income/employment: VVOE fails, gap, variable-income miscalc.
• Assets: large deposits unsourced, insufficient reserves.
• Credit: new inquiry/tradeline mid-process changes DTI.
• Appraisal: comes in low; property/condition issues.
• Title/insurance/HOA: liens, uninsurable, HOA litigation. For each likely killer, cure or condition now, before the lock burns.