Denial Letter Decoder
Paste your client's adverse action notice. Zai identifies whether the denial was an agency guideline (fixed) or a lender overlay (find another lender).
⚡ Key Insight for Brokers
If it's an overlay, your client can often be approved today by switching loan programs or lender types — without fixing anything. That's your commission back.
Digital Twin Simulation
Run your client's profile across 5 lender types simultaneously. See exactly which categories approve, deny, and why.
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Full Digital Twin
Opens the complete scenario analysis simulator with all 5 lender types and Borrower Risk Genome.
Quick Loan Type Comparison
Enter client basics to instantly compare FHA vs Conventional vs VA.
Overlay Reference Guide
Quick reference for agency guidelines vs typical lender overlay categories.
| Category | Min Credit | Max DTI | SSDI | 1099 |
|---|---|---|---|---|
| FHA (Agency) | 580 | 57% | ✅ 15% | ✅ 24mo |
| Conventional (Agency) | 620 | 50% | ✅ 25% | ✅ 24mo |
| Conservative Overlay | 640-660 | 43-45% | ⚠️ Varies | ❌ Often no |
| Flexible Overlay | 600-620 | 50-55% | ✅ 25% | ✅ 12mo |
| Portfolio/Non-QM | 600+ | 55%+ | ✅ | ✅ Bank stmt |