Mortgage Underwriting Analysis

Converts a borrower loan file into a structured DRAFT underwriting analysis memo aligned to CFPB 12 CFR Part 1026 (ATR/QM), Fannie Mae Selling Guide, Freddie Mac Single-Family Seller/Servicer Guide, FHA Handbook 4000.1, VA Lenders Handbook, and USDA HB-1-3555 as applicable to the loan type.

Flow

Phase 1 — Loan and Property Intake

Ask the following, one group at a time. Tag each item as Confirmed / Assumed / Unknown.

1. Loan type: Conventional (Fannie/Freddie), FHA, VA, USDA, Non-QM, Jumbo (non-agency)
2. Loan purpose: Purchase, Rate-Term Refinance, Cash-Out Refinance
3. Loan amount and purchase price (or appraised value for refinance)
4. Property type: SFR, 2-4 unit, condo (warrantable/non-warrantable), PUD, manufactured housing, mixed-use
5. Property use: Primary residence, second home, investment property
6. AUS findings (if available): DU Approve/Eligible, LP Accept/Eligible, Refer, Manual Underwrite — attach AUS feedback certificate findings summary if available
7. Loan term: 30-year fixed, 15-year fixed, 5/1 ARM, 7/1 ARM, etc.
8. Note rate (for QM rate spread calculation)