Mortgage — Loan Fallout Premortem

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.

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 Loan fallout (denied/withdrawn after lock) wastes the borrower's rate, the LO's pipeline, and risks a lock extension cost.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

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Part of deciqAI Knowledge Skills. Core method: premortem.

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Part of deciqAI Knowledge Skills — 189 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.