Mortgage — Loan Program Matching

Industry front door for decision-tree. Adds domain triggers, example, packs only. Parent Process unchanged. Not lending advice. Program rules change; verify current agency/investor guidelines.

Activate when: matching a borrower to Conventional/FHA/VA/USDA/Jumbo/Non-QM; deciding fixed vs ARM; "which program fits this borrower?"; borderline DTI/LTV/credit. Do NOT activate when: borrower is pre-committed to one specific product with no alternative.

Why this variant

The parent decision-tree maps branching choices to outcomes. Program selection is a decision tree over borrower attributes (credit, DTI, LTV, down payment, property type, VA eligibility) → eligible programs → net cost/fit.

Domain inputs → parent's Process

Branch on gating attributes and roll back to best fit:

• Credit + DTI + LTV + reserves → which agencies qualify.
• Down payment / MI: FHA (MIP) vs Conventional (PMI removable) vs VA (0% + funding fee).
• Property/occupancy and loan size (conforming vs jumbo).
• Compare total cost + approval probability, not just rate.