Instant Clarity.
Confident Decisions.
AI-powered underwriting guideline search and interpretation built for mortgage teams: loan officers, processors, underwriters, scenario desk, secondary, and compliance professionals.
Executive Summary
The Case for Guideline Automation
The Problem
Mortgage teams lose critical time and confidence when guidelines are hard to find and apply across multiple sources
The Solution
Guideline Buddy reduces search time and improves decision quality with sourced, verifiable answers designed for enterprise controls
The Value
Clear impact on productivity, pull-through rates, and reduced repurchase or indemnification exposure
The Operational Problem: Guideline Complexity is Costing You
5K+
Pages Per Professional
Average mortgage professional navigates across agency guidelines plus lender overlays
1.8M+
Words to Master
GSE and HUD guidelines alone—equivalent to 150 hours of technical reading
100s
Sources to Reconcile
Teams must reconcile hundreds of investors and lenders plus internal overlays
Complexity compounds with edge-case scenarios, frequent updates, and the constant need to verify current requirements. Every difficult file becomes a time-consuming scavenger hunt.
Today's Workflow is Slow, Inconsistent, and Risky
The Time Cost
Manual guideline search relies on PDFs, CTRL+F, and tribal knowledge. Keyword tools are often incomplete or outdated.
3–5 hours per week per user spent searching for answers
The Risk Cost
Inconsistent interpretation creates avoidable variance and unforced errors that impact your business:
  • Loan fallout from incorrect guidance
  • Extended cycle times reducing competitiveness
  • Repurchase and indemnification exposure
  • Compliance gaps and audit findings
A single fallout or repurchase event can cost $32,000 or more
What Guideline Buddy Does
A guideline "super assistant" that answers questions and interprets policy in plain language, delivering outcomes-first results: faster answers, higher confidence, and better consistency.
Handles Simple and Complex Scenarios
From basic eligibility questions to multi-factor edge cases involving multiple guideline intersections
Provides Comprehensive Sourced Answers
Every response includes the answer, supporting excerpts, and direct links to sources for verification and audit trails
Searches Across One or Multiple Sources
Query a single investor's guidelines or search across multiple investors and overlays simultaneously as needed
How It Works at a High Level
Natural Language Questions
Users ask questions exactly as they would to a colleague, including complex scenario-style queries
Intelligent Retrieval
The system analyzes the question and searches relevant guideline sources to find the most accurate information
Sourced Responses
Users receive direct answers, supporting text excerpts, and linked source documentation for auditability and quality assurance
Continuous Improvement
Managed updates and self-update capability ensure guidelines stay current with proper governance controls
Key Capabilities
Accuracy and Defensibility
Sourced answers with direct links to guideline documentation support audit requirements and reduce interpretation risk
Comprehensive Coverage
Search one or multiple investors with no hard limits—agency, correspondent, internal overlays, and custom matrices
Always-On Access
Mobile-friendly interface available 24/7 means your team gets answers when they need them, not just during business hours
Full Customization
Configure investor-specific responses, custom matrices, internal overlays, and business-specific guideline interpretations
Enterprise Administration
Easier guideline management with self-update capability, usage analytics, and governed knowledge base controls
Risk Management
Compliance, Security, and Accuracy Controls
Built for Regulated Workflows
Guideline Buddy is positioned as a secure and compliant tool, with data kept in a controlled context that meets enterprise requirements.
Show Your Work Model
Source links with every answer reduce hallucination risk and support quality assurance processes. Responses are traceable and verifiable.
Compliance-Ready Design
The system supports compliance review, training use cases, and regulatory documentation requirements out of the box.
Your Requirements, Your Guardrails
We configure the system to match your enterprise security requirements, validation approach, acceptance criteria, and audit expectations.
Implementation Approach: Fast Path to Proof
1
Step 1: Scope and Metrics
Confirm pilot teams, specific use cases, and measurable success criteria aligned to business objectives
2
Step 2: Source Validation
Ingest and validate agency guidelines, investor requirements, and internal overlays as scoped for pilot
3
Step 3: Pilot Launch
Deploy to pilot teams with structured training, feedback loops, and ongoing support throughout pilot period
4
Step 4: QA Gates and Rollout
Formal quality assurance checkpoints and phased rollout plan by business unit after validation thresholds are met
We will not scale deployment until accuracy thresholds and governance requirements are validated. Typical rollout follows a 30/60/90-day timeline with clear stakeholder ownership across Operations, Underwriting, Compliance, and IT.
ROI Model Framework
Value Drivers
The model calculates annual value across three measurable dimensions:
01
Time Savings
Hours saved per user per week multiplied by loaded labor rates
02
Incremental Revenue
Additional loans closed monthly due to faster cycle times and improved pull-through
03
Cost Avoidance
Fallout, repurchase, and indemnification events prevented annually
Example benchmark: 3–5 hours saved per user weekly. We'll build this model using your actual numbers, user counts, loaded labor rates, profit per loan, and fallout costs in our first working session.