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Works with your workflow.
Send the same files the same way. Keep your QC policy.
No retraining. No new system. No added operational overhead.
Findings that stand on their own.
Clear exceptions. Guideline citations. Evidence attached. Clean files cleared without debate.
Income variance changes AUS eligibility status
Recalculated qualifying income is $847/mo below LOS value. At corrected income, DTI moves from 44.8% to 47.1%, exceeding the AUS approval ceiling of 45%. Loan requires re-submission or downgrade to manual underwrite.
FNMA B3-3.1-01: Stable Monthly Income. Income used for qualifying must reflect documented earnings. When corrected income changes the eligibility determination, the loan must be re-submitted through AUS or manually downgraded.
Large deposit sourced within guideline lookback period
Single deposit of $12,400 on statement pg 2 exceeds 50% of monthly income. Source documentation traces to documented property sale proceeds within the required 60-day lookback window.
FNMA B3-4.2-02: Large Deposits. Deposits exceeding 50% of qualifying monthly income require sourcing documentation. Funds must be verified within the most recent two-month statement period.
Margin risk lives in the outliers.
Reduce the probability of a costly surprise without increasing workflow cost or turn time.
Send us 10 files.
No contract. No obligation. Judge the output.
Pay per file. Scale as needed. No lock-ins.