Mortgage Underwriting Analysis

Use this skill when a residential mortgage loan officer, underwriter, or processor needs to analyze a borrower file against CFPB Ability-to-Repay / Qualified Mortgage (ATR/QM) rules and agency guidelines (Fannie Mae DU, Freddie Mac LP, FHA, VA, USDA). Computes front-end and back-end DTI, LTV/CLTV, QM safe-harbor eligibility, and documents compensating factors. Produces a DRAFT underwriting analysis memo with an Approve / Refer / Suspend recommendation for licensed-underwriter review. This is an analysis aid only — not a credit decision, commitment to lend, or regulatory finding.

by @archlab-space (devasher)·MIT-0