Conditioning is automated across the products a full-service lender actually runs, and investor overlays are implemented as part of the rule set rather than handled as exceptions outside it.
Products
- Conventional
- FHA
- USDA
- VA
- Jumbo
- High Balance
- Bond
- Renovation lending
- Construction-to-Permanent
Product-specific requirements are expressed as rules, which is why coverage extends to the products that usually fall outside automation. Renovation and Construction-to-Permanent are the clearest example: they carry document and milestone requirements that generic templates handle badly.
Investor overlays
Overlays are implemented as part of your rule set. Where an investor requires more than agency guidelines, the condition and task rules reflect it, so the file is built to the investor’s standard rather than corrected toward it later.
Automated underwriting findings
The engine reads automated underwriting findings and, for FHA files, the scorecard, using them alongside application data to generate the initial condition set. See Condition Engine.