Conventional · $685K · Austin, TX · 6.625% · 30yr
Jeremy.ai pre-filled 53 of 60 fields from verified sources. 3 moments need your expertise.
File State
Processing → UnderwritingHandoff to
Lisa Nguyen · UnderwriterDeadline: Apr 8, 2026 — Rate Lock Expiry
11d remainingSchwab statement 47 days old — will be flagged by UW
2022 tax return not uploaded — blocks submission
If no action taken:
File cannot move to underwriting. Rate lock expires Apr 8. Extension costs ~$500 and is not guaranteed.
Loan Purpose
LoanPurposeType
Purchase
Jeremy.aiSubject Property
SubjectPropertyAddress
4712 Shoal Creek Blvd, Austin TX 78756
Jeremy.aiProperty Type
PropertyType
Single-Family Residence
Jeremy.aiPurchase Price
SalesContractAmount
$685,000
Jeremy.aiLoan Amount
LoanAmount
$616,500
Jeremy.aiDown Payment
DownPaymentAmount
$68,500 (10%)
Jeremy.aiNote Rate
NoteRatePercent
6.625%
Jeremy.aiLoan Term
LoanTermMonths
360 months (30yr)
Jeremy.aiLoan Type
MortgageType
Conventional
Jeremy.aiLTV Ratio
LTVRatioPercent
90.0%
Jeremy.aiMonthly PMI
MIPremiumAmount
$257/mo (0.50% annual)
Jeremy.aiFull Legal Name
BorrowerName
John A. Smith
Jeremy.aiSSN
TaxpayerIdentifierValue
***-**-4821
1003Date of Birth
BirthDate
March 14, 1990
1003Marital Status
MaritalStatusType
Single
1003Dependents
DependentsCount
0
1003Current Address
BorrowerResidencyAddress
2801 Rio Grande St #204, Austin TX 78705
Jeremy.aiYears at Address
ResidencyDurationMonths
2 years 3 months
Jeremy.aiPhone
PhoneNumber
(512) 847-3901
Jeremy.aiEmailAddress
john.smith@gmail.com
Jeremy.aiEmployer
EmployerName
Stripe, Inc.
VOEEmployer Address
EmployerAddress
510 Townsend St, San Francisco CA 94103
VOETitle / Position
PositionDescription
Senior Software Engineer
VOEStart Date
EmploymentStartDate
June 15, 2021
VOEYears Employed
EmploymentMonthsCount
3 years 9 months
VOEBase Salary
BasePayAmount
$165,000/yr ($13,750/mo)
W-2Annual Bonus
BonusAmount
$22,000/yr ($1,833/mo)
W-2Rental Income
OtherIncomeAmount
~$1,400/mo (unverified)
Self-reportedJohn has a rental property that Jeremy.ai flagged but can't verify without documentation. One conversation could confirm ~$1,400/mo in income — dropping his back-end DTI from 32% → 27%. That's a pricing tier change worth about $310/mo to him.
Total Monthly Income (verified)
TotalMonthlyIncomeAmount
$15,583/mo
Jeremy.aiChecking (Chase)
CheckingAccountAmount
$24,200
Bank StatementSavings (Chase HYSA)
SavingsAccountAmount
$41,800
Bank StatementInvestment (Schwab)
StocksAmount
$87,400 (as of 47 days ago)
Brokerage StatementThe Schwab account shows $87K but the statement is 47 days old. Underwriting will flag this before closing. John is the right person to pull this — Jeremy.ai has already sent a prompt but an LO nudge usually moves faster.
401(k) / Retirement
RetirementFundAmount
$58,500
Retirement StatementGift Funds
GiftFundsAmount
None
1003Total Liquid Assets
TotalAssets
$211,900 (est.)
Jeremy.aiAuto Loan
AutoLoanPaymentAmount
$428/mo (29 months remaining)
Credit ReportStudent Loans
StudentLoanPaymentAmount
$0 (paid off)
Credit ReportCredit Cards (min)
CreditCardPaymentAmount
$142/mo
Credit ReportTotal Monthly Debt
TotalMonthlyDebtAmount
$570/mo
Jeremy.aiPITI + PMI
HousingPaymentAmount
$5,522/mo
Jeremy.aiFront-End DTI
FrontEndDTIRatioPercent
28%
Jeremy.aiBack-End DTI
BackEndDTIRatioPercent
32%
Jeremy.aiBack-end DTI is at 32% — approvable, but sits in the standard pricing tier. Verifying John's rental income (~$1,400/mo) would drop this to ~27%, unlocking Tier 2 pricing and saving him about $310/mo. This is a one-call win.
FICO Score
CreditScoreValue
748 (Equifax)
Credit ReportOutstanding Judgments
OutstandingJudgmentsIndicator
No
1003Bankruptcy (7yr)
BankruptcyIndicator
No
1003Foreclosure (7yr)
ForeclosureIndicator
No
1003Party to Lawsuit
LawsuitPartyIndicator
No
1003Co-signer on Other Loan
ObligatedOnAnotherLoanIndicator
No
1003Down Payment Borrowed
DownPaymentBorrowedIndicator
No
1003Note Endorser
NoteEndorserIndicator
No
1003Primary Residence
PrimaryResidenceIndicator
Yes
1003US Citizenship
CitizenshipResidencyType
US Citizen
1003W-2 — 2023
W2Statement_2023
Received · Verified
Stripe HRW-2 — 2022
W2Statement_2022
Not uploaded
PendingJohn's 2022 return was filed electronically in April 2023 — he confirmed this to Jeremy.ai. It just hasn't been uploaded yet. A quick ask on your next touchpoint should close this out.
Federal Tax Return — 2023
TaxReturn_2023
Received · Verified
IRS TranscriptFederal Tax Return — 2022
TaxReturn_2022
Not provided
Not uploadedJohn's 2022 return was filed electronically in April 2023 — he confirmed this to Jeremy.ai. It just hasn't been uploaded yet. A quick ask on your next touchpoint should close this out.
Bank Statements (2mo)
BankStatement_2mo
Received · Chase ✓
PlaidSchwab Investment Statement
BrokerageStatement
Stale — 47 days old
Uploaded Mar 2026The Schwab account shows $87K but the statement is 47 days old. Underwriting will flag this before closing. John is the right person to pull this — Jeremy.ai has already sent a prompt but an LO nudge usually moves faster.
Rental Agreement / Lease
RentalAgreement
Not provided
Not uploadedVOE — Stripe
EmploymentVerification
Received · Verified
Stripe HRDeal Readiness
74
/ 100
82%
close prob
18
days
Rate Lock Expiry
Apr 8, 2026
17 days remaining · Act before Apr 1
Your 3 Moments
Jeremy.ai pre-filled 34 of 37 fields. These 3 need your expertise.
Call John this week
DTI 32% → 27% · ~$310/mo savings
Ask about rental income. One document unlocks Tier 2 pricing.
Request 2022 tax return
Clears underwriting flag
Filed electronically in 2023 — just needs to be uploaded.
Nudge Schwab refresh
Rate lock deadline: Apr 8
Statement is 47 days old. LO nudge moves faster than AI prompt.
Your Notes
Private to you · Not shared with borrower