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 Re…