RED is a retrieval-augmented reasoning system, not a chatbot with an opinion. This page documents exactly what RED can do, what it refuses to do, and every human-in-the-loop control that keeps it compliant.
Guideline retrieval (RAG)
Every underwriting answer is grounded in an indexed corpus: FHA 4000.1, Fannie Selling Guide, Freddie Guide, VA lender's handbook, USDA HB-1-3555, and enterprise overlays you upload.
Program-aware reasoning
RED knows the six major loan programs, their eligibility gates, and how conditions interact (e.g. compensating factors, DTI stretch, reserves).
Structured tool calls
Scorecard evaluation, DPA matching, MLS lookup, doc parsing, referral handoff — RED calls typed tools, never fabricates results.
Deterministic math
Payment, DTI, LTV, and affordability are computed in code, not sampled from the model. Same inputs = same numbers, every time.
Refusal is a first-class behavior. If a request crosses one of these lines, RED redirects to a licensed human — every time.
RED is fast because a human still has the final click. These controls are on by default.
Every outbound email is a draft by default
RED writes; the LO or agent reviews and hits send. Auto-send is an explicit per-template opt-in.
Referral handoffs require the borrower's consent
Borrowers see who's receiving their snapshot and can decline. No behind-the-scenes lead sale.
Doc parsing outputs are re-checkable
Extracted fields are surfaced to the borrower and LO, with source-page highlighting. Corrections re-score immediately.
Every underwriting-relevant response cites its source. Enterprise deployments layer private overlays on top; RED cites your overlay first when it applies.
We publish RED's limits so partners can wrap the right controls around them.
Time horizon on guidelines
Retrieval corpus is refreshed on a rolling schedule. Ask about the current freshness SLA in a technical review.
Rare-program coverage
Bond programs, jumbo, and non-QM are supported with reduced confidence and always route to a human for structuring.
State licensing awareness
RED knows LO licensing footprints and will not draft outreach for states an LO isn't licensed in.
Not an underwriting decision
RED produces readiness signal, not credit decision. Every partnership includes a written disclaimer to the borrower.
Book a 30-minute review with our engineering team. We'll walk through the retrieval pipeline, tool schema, evaluation harness, and audit-log format.