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DownPayGuard: Rigorous Down-Payment Source Validation

The DownPayGuard agent ensures every penny of the borrower’s down-payment meets underwriting guidelines by: 

  • Gift Letter Authentication: Checks donor relationships and gift-fund eligibility. 

  • Source of Funds Audit: Verifies transfers from savings, retirement, or sale of assets. 

  • Irregular Deposit Detection: Flags one-off, off-cycle deposits for manual review. 

  • Anti-Fraud Screening: Cross-references high-risk patterns against known fraud indicators. 

Results are packaged into a Down-Payment Compliance Report—again surfaced as a PDF link in the chatbot.

IncomeSage: Deep, Multi-Dimensional Income Checks

The IncomeSage agent goes far beyond a simple bank‐statement review. For each loan file, it automatically: 

1. Bank Statement Analysis: Verifies deposit patterns, flags outliers. 

2. Pay Stub Verification: Confirms hours, year-to-date earnings, overtime, bonuses. 

3. ID Document Validation: Checks passport/driver’s license authenticity.

4. Loan & Liability Review: Surfaces existing debts that impact debt-to-income ratios. 

5. Asset Confirmation: Validates savings account balances and investment statements. 

6. Co-Applicant Income: Aggregates income streams from all borrowers. 

7. Supplemental Income: Captures rental, freelance, or other irregular income. 

8. Credit Score & History: Pulls scores and flags recent derogatory events.

9. Insurance & Benefits: Verifies life-insurance income riders, disability/staff benefits. 

10. Expense Profiling & Fraud Flags: Detects unusual withdrawals or patterns against the policy guide. 


At the end of its run, IncomeSage compiles a detailed Income Verification Report PDF—complete with policy checklist pass/fail statuses—and delivers it directly in the chat panel for download or review

<p class="font_8">By embedding these <strong>specialized agents</strong> into a single Copilot side-panel:&nbsp;</p> <ul class="font_8"> <li><p class="font_8">Underwriters now get <strong>full policy-driven coverage</strong> across a dozen distinct income and funding vectors.&nbsp;</p></li> <li><p class="font_8"><strong>One-click report generation</strong> eliminates manual spreadsheet work and policy lookups.&nbsp;</p></li> <li><p class="font_8"><strong>Consistent, auditable outputs</strong> ensure compliance with zero slip-through.</p></li> <li><p class="font_8"><strong>Time-to-decision shrinks</strong> further, delivering even more of that 70% cycle-time reduction at critical income/down-payment checkpoints.</p></li> </ul> <p class="font_8">This multi-agent, end-to-end automation transforms underwriting into an orchestrated blend of AI rigor and human expertise—driving both speed and confidence.</p>

Underwriting Copilot Extension

Comprehensive AI Agents for Full-Spectrum Income & Down-Payment Verification

Business Impact

By embedding these specialized agents into a single Copilot side-panel: 

  • Underwriters now get full policy-driven coverage across a dozen distinct income and funding vectors. 

  • One-click report generation eliminates manual spreadsheet work and policy lookups. 

  • Consistent, auditable outputs ensure compliance with zero slip-through.

  • Time-to-decision shrinks further, delivering even more of that 70% cycle-time reduction at critical income/down-payment checkpoints.

This multi-agent, end-to-end automation transforms underwriting into an orchestrated blend of AI rigor and human expertise—driving both speed and confidence.

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