Loan Underwriting Ratios Demo
Compute underwriting ratios and certify each control check with a reproducible receipt.
Compute underwriting ratios and certify each control check with a reproducible receipt.
Compute underwriting ratios and certify each control check with a reproducible receipt.
Consistent
Same input → same output
Consistent
Same input → same output
Fast
Get an answer instantly
Fast
Get an answer instantly
Results
Proof + results + constraints
Results
Proof + trace + constraints
Results
Proof + trace + constraints
Certified
Certified before release
Certified
Certified before release
Certified
Certified before release
Scenario + Inputs
What this demo shows
CERTIFIED
We can prove the math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check, so we fail closed.
TRUE / FALSE
Whether a rule passed. Loan approval is a separate decision.
Loaded scenario
Sample A (CERTIFIED, all TRUE)
Workflow: Income ratios (DTI/PTI)
Property + loan
Property value
Down payment
Annual rate
6.25%
Term (years)
Loan amount
$487,500.00
Monthly P&I (demo)
$3,001.62
Escrows + reserves
Monthly taxes
Monthly insurance
Monthly HOA
Liquid reserves
Monthly PITI
$3,816.62
Reserves coverage
22.27 months
Borrower / cashflow
Monthly gross income
Monthly debts
Annual NOI
This demo certifies math control checks. It does not approve or deny loans.
Policy Controls
Mode: Income ratios (DTI/PTI)LTV max
Reserves minimum
DTI max
PTI max
Derived metrics (informational)
LTV
Loan-to-value
75.00%
DTI
Debt-to-income
31.55%
PTI
Payment-to-income
27.26%
Reserves
Months of PITI
22.27
Policy controls define thresholds. Certification determines whether each check is provable.
Result Summary
—
Run certification to generate a receipt.
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
Scenario + Inputs
What this demo shows
CERTIFIED
We can prove the math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check, so we fail closed.
TRUE / FALSE
Whether a rule passed. Loan approval is a separate decision.
Loaded scenario
Sample A (CERTIFIED, all TRUE)
Workflow: Income ratios (DTI/PTI)
Property + loan
Property value
Down payment
Annual rate
6.25%
Term (years)
Loan amount
$487,500.00
Monthly P&I (demo)
$3,001.62
Escrows + reserves
Monthly taxes
Monthly insurance
Monthly HOA
Liquid reserves
Monthly PITI
$3,816.62
Reserves coverage
22.27 months
Borrower / cashflow
Monthly gross income
Monthly debts
Annual NOI
This demo certifies math control checks. It does not approve or deny loans.
Policy Controls
Mode: Income ratios (DTI/PTI)LTV max
Reserves minimum
DTI max
PTI max
Derived metrics (informational)
LTV
Loan-to-value
75.00%
DTI
Debt-to-income
31.55%
PTI
Payment-to-income
27.26%
Reserves
Months of PITI
22.27
Policy controls define thresholds. Certification determines whether each check is provable.
Result Summary
—
Run certification to generate a receipt.
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
