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.
Open Digital Twin ↗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 |