guideline-lookup
Look up Fannie Mae underwriting guidelines for income, assets, credit, or collateral verification. Use when questions involve DTI, income documentation, asset requirements, credit standards, or any B3/B4 guideline references. Reads guidelines dynamically from configs/guidelines/ - never hardcodes content.
When & Why to Use This Skill
The Fannie Mae Guideline Lookup skill enables AI agents to dynamically query and retrieve precise mortgage underwriting requirements directly from local guideline repositories. It streamlines compliance checks for income, assets, credit, and collateral (B3/B4 guidelines) by ensuring that the model always references the most current documentation rather than relying on outdated or hardcoded data.
Use Cases
- Income Verification: Instantly retrieve B3-3.1 standards for complex income types like commission, self-employment, or rental income to ensure documentation compliance.
- Asset & Reserve Validation: Check specific gift fund eligibility and minimum reserve requirements to verify borrower assets during the loan application process.
- Credit Standard Assessment: Reference B3-5 guidelines to evaluate credit history, score requirements, and debt-to-income (DTI) calculation protocols.
- Collateral & Property Eligibility: Look up B4-1 appraisal requirements and property standards to streamline the collateral verification workflow.
| name | guideline-lookup |
|---|---|
| description | Look up Fannie Mae underwriting guidelines for income, assets, credit, or collateral verification. Use when questions involve DTI, income documentation, asset requirements, credit standards, or any B3/B4 guideline references. Reads guidelines dynamically from configs/guidelines/ - never hardcodes content. |
Fannie Mae Guideline Lookup
Purpose
Query Fannie Mae Selling Guide sections for underwriting requirements without hardcoding guideline content.
Instructions
Step 1: Check if guidelines exist
ls configs/guidelines/
If the directory is empty or missing, instruct the developer:
make fetch-guidelines
Step 2: Identify the relevant section
Guidelines are organized by domain:
| Section | Directory | Guideline IDs |
|---|---|---|
| Income | configs/guidelines/income/ |
B3-3.1-01 through B3-3.2-02 |
| Assets | configs/guidelines/assets/ |
B3-4.1-01 through B3-4.3-03 |
| Credit | configs/guidelines/credit/ |
B3-5.1-01 through B3-5.4-03 |
| Collateral | configs/guidelines/collateral/ |
B4-1.1-01 through B4-1.3-02 |
Step 3: Read the relevant guideline file
# List available guidelines in a section
ls configs/guidelines/income/
# Read a specific guideline
cat configs/guidelines/income/b3-3.1-01.md
Step 4: Quote directly from the file
- Always quote the exact text from the markdown file
- Include the guideline ID (e.g., B3-3.1-01) in your response
- Note the effective date if present
Common Topics by Guideline
Income (B3-3.1 through B3-3.2)
- B3-3.1-01: General income information
- B3-3.1-02: Employment documentation standards
- B3-3.1-03: Base pay, salary, hourly, bonus, overtime
- B3-3.1-04: Commission income
- B3-3.1-05: Secondary/seasonal employment
- B3-3.1-06: IRS Form 4506-C requirements
- B3-3.1-07: Verbal verification of employment
- B3-3.1-08: Rental income
- B3-3.1-09: Other income sources
- B3-3.2-01: Self-employed borrower underwriting
- B3-3.2-02: Business structures
Assets (B3-4.1 through B3-4.3)
- Asset documentation requirements
- Gift fund guidelines
- Reserves requirements
Credit (B3-5.1 through B3-5.4)
- Credit score requirements
- Credit history evaluation
- Debt-to-income calculations
Collateral (B4-1.1 through B4-1.3)
- Appraisal requirements
- Property eligibility
- Title requirements
Important
- NEVER hardcode guideline content in responses
- ALWAYS read from
configs/guidelines/files - Guidelines may be updated - always read the current file
- Reference
internal/guidelines/fetcher.go:SectionConfigfor URL mappings