Mortgage — Loan Fallout Premortem
Industry front door for premortem. Adds domain triggers, example, packs only. Parent Process unchanged.
Activate when: a file is submitted or in underwriting; rate lock is ticking; "what could kill this loan before closing?"; thin-file or borderline borrower. Do NOT activate when: clear-to-close with no open conditions.
Why this variant
The parent premortem imagines the failure and works backward. Loan fallout (denied/withdrawn after lock) wastes the borrower's rate, the LO's pipeline, and risks a lock extension cost. Premortem surfaces the killers while there's still time to cure.
Domain inputs → parent's Process
Imagine the loan died at underwriting — why?
- Income/employment: VVOE fails, gap, variable-income miscalc.
- Assets: large deposits unsourced, insufficient reserves.
- Credit: new inquiry/tradeline mid-process changes DTI.
- Appraisal: comes in low; property/condition issues.
- Title/insurance/HOA: liens, uninsurable, HOA litigation. For each likely killer, cure or condition now, before the lock burns.
Worked example
Self-employed borrower, lock expires in 21 days. → Premortem flags: unsourced $20k deposit + P&L not yet CPA-reviewed. Cure now (paper trail + statement) so it doesn't detonate on day 18 forcing a costly extension.
Compliance anchors
- If denial results, ECOA adverse-action notice within required timing; document the reason.
Packs
- Solo LO: top-10 fallout-cause pre-submission scrub.
- Brokerage: condition-clearing SLA tied to lock timeline.
Red flags
- Large deposits / new credit not addressed early.
- Variable income taken at face value.
- Appraisal risk ignored on unique properties.
Verification
- Likely fallout causes enumerated
- Each cured or conditioned before lock burns
- Lock timeline vs condition SLA reconciled
- Adverse-action path ready if denied
Part of deciqAI Knowledge Skills. Core method: premortem.
Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/mortgage-loan-fallout-premortem · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.
Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/mortgage-loan-fallout-premortem.json