{ "banner": { "version": "3.21.26", "projectPrefix": "Project “", "projectHighlight": "Roshni", "projectSuffix": " (रोशनी)", "micIcon": "", "audioUrl": "https://d2w24n4g34usfg.cloudfront.net/roshni/roshni-voice1.mp3", "releaseStatus": "", "bannerSubtitle": "Illuminating a New Era of Ai", "description": "Roshni means \"light\", and AngelAiTM delivers to you visibility, control, and opportunity to your personal finances and beyond. With the launch of AngelAi Roshni, we illuminate the power of our innovative architecture, offering a breakthrough in both efficiency and performance that sets new standards in the industry.", "countdown": { "enabled": true, "targetDate": "2026-03-21T03:00:00-08:00", "heading": "Be Enlightened by AngelAi's Roshni

Release Countdown", "displayDate": "", "displayTime": "" } }, "es": { "banner": { "countdown": { "heading": "Déjate iluminar por Roshni de AngelAi

Cuenta regresiva de lanzamiento", "targetDate": "2026-03-21T03:00:00-08:00", "displayDate": "", "displayTime": "", "enabled": true } } }, "intentDriven": { "title": "Zero UI", "media": "dancing-roshni-img.webp", "sections": [ { "subtitle": "The Post-WIMP Era: Intent-Driven UX with Empathy", "data": [ "AngelAi's Roshni is the end of the 40-year-old WIMP (Windows, Icons, Menus, Pointers) era. Today's users demand systems that are enlightened and adaptive to their needs rather than rigid, unintelligent menus and forms." ] }, { "subtitle": "Key UX/UI Enhancements Include:", "data": [ "Adaptive Presentation: The interface dynamically adjusts how information is rendered based on the specific task, device, and user context.", "Intent-Driven Interaction: Users can express goals naturally. AngelAi interprets the intent, executes validated transactions, and presents results in formats appropriate to the task.", "Deterministic Outcomes: By maintaining a focus on auditability, Roshni ensures that every AI-generated interface remains compliant and accurate." ] }, { "data": [ "For a deeper dive into these design principles, view the AngelAi UI whitepaper at AngelAi.com/whitepaper." ] } ] }, "innovative": { "title": "Innovative Architecture", "media": "innovative-video-latest.mp4", "sections": [ { "title": "Self-Sufficient Cells", "data": [ "At the core of AngelAi, Roshni is a network of self-sufficient Cells that can independently execute simple requests or work collectively to handle complex user requests.", "This Cell network is not fixed, but dynamic. Based on the user requests, business rules and parameters, AngelAi dynamically establishes a Cell network path to execute an end-to-end workflow. The fine granularity of each Cell function (micro-function) maximizes reusability across a wide range of user requests and business requirements." ] }, { "title": "Devi's Capabilities, Now Brought to Light", "data": [ "Previously, when Devi was released, these powerful capabilities worked behind the scenes. Now, thanks to a series of UI/UX upgrades, these capabilities are brought to the forefront in AngelAi Roshni and can be experienced directly by users." ] } ] }, "fractionPower": { "title": "Ai at a Fraction of the Power", "media": "fraction-video.mp4", "sections": [ { "data": [ "AngelAi follows a revolutionary approach. For years, AngelAi has been delivering thorough and accurate responses, decision and task execution to complex finance scenarios WITHOUT the need for large and expensive GPU farms. Our research has revealed that it is not about large context windows and token count, but, rather, much like synaptic junctions in the brain, intelligence of the machine is improved by creating deep layers of interconnections of CONCEPTS not TOKENS." ] }, { "data": [ "Roshni operates with remarkable efficiency, offering powerful Ai performance with a fraction of the energy that conventional systems consume. While traditional Ai models require nuclear-plant-level-power, AngelAi Roshni works with a standard business server stack." ] } ] }, "aiComparison": { "title": "AngelAi vs. Other Lenders", "subtitle": "Where Other AI Guess, AngelAi Decides", "introParagraph": "If you put AngelAi and the other \"AIs\" to the test with real world scenarios the contrast is stark. The responses from other AI's were all over the place ranging from responses that were (a) \"Question too long\" error (b) offer to connect you to a human (c) confusing and misleading (e) generic with no actionable guidance (f) blatantly wrong answers (g) unable to respond without a complete application and in a rare occasion - correct, but not warrantied and accompanied with a host of disclaimers.

So for example, when an \"AI's\" answer is \"we can't underwrite until the application is complete,\" what it's really saying is that the \"AI\" isn't underwriting at all. It's simply a conversational layer (aka \"a chatbot\") on top of the same manual, antiquated process—one that remains slow, inefficient, and dependent on human underwriters to sort out issues after the fact. On the other hand, in those very same real-world scenarios, AngelAi responded with a deterministic answer backed by a warranty.

When AI responses cannot be trusted, they lose economic value. Mortgage Professionals and borrowers hesitate, workflows slow, and the business cannot realize a return on their massive data center and AI infrastructure investments. In contrast, AngelAi is a dependable revenue-generating AI platform.", "scenarios": [ { "id": 1, "title": "FHA Income Calculation", "question": "Can you please calculate the income for our borrowers? She has been employed with her current employer since 10/20/14. This will be a 30 year FHA loan. [Documents attached]", "angelAI": { "response": "I have completed the income calculation review based on provided documents. Please refer the below details of income:

Note: Overtime has declined by 41.45% from 2024 to 2025. Borrower needs to provide clarification for the reason for decline along with supporting documents to verify stability of overtime income." }, "lenderA": { "statusLabel": "No Way to Calculate Income without Submitting the Entire Application", "response": "Thanks for clarifying! While I can guide you through the process and explain what documents you'll need, I'm not able to directly calculate qualifying income from uploaded documents myself. Here's how it works:If you need help knowing what documents to upload or how to do it, I can walk you through those steps! Would you like instructions on what income documents to upload for FHA, or help with the upload process in your application?" }, "lenderB": { "statusLabel": "Connects to a Generic Web-Based Tool", "response": "I'm happy to help you explore what you can afford! For a personalized estimate based on your income and down payment, I recommend using our helpful tools:If you have specific details about the borrower's income (such as hourly wage, salary, or other sources), I can guide you on how to use these tools or answer questions about FHA loan requirements. Let me know how you'd like to proceed!" } }, { "id": 2, "title": "FHA Cash-Out Refinance Income Calculation", "question": "Could you please calculate income for FHA Cash out? [Documents attached]", "angelAI": { "response": "I have performed cash flow analysis based on provided documents. Please refer the below details of income:

Income from Schedule C business: $6,780.13 Average of previous two years 2023 and 2024.

Please note that the borrower needs to provide a Year to date Profit and loss statement of 2025 to verify the business income stability as business cash flow is showing an increase of 176.73% from 2023 to 2024." }, "lenderA": { "statusLabel": "No Way to Calculate Income without Submitting the Entire Application", "response": "Thanks for clarifying! While I can guide you through the process and explain what documents you'll need, I'm not able to directly calculate qualifying income from uploaded documents myself. Here's how it works:If you need help knowing what documents to upload or how to do it, I can walk you through those steps! Would you like instructions on what income documents to upload for FHA, or help with the upload process in your application?" }, "lenderB": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "I can definitely help you with information about FHA cash-out refinancing and income requirements! To make sure I connect you with the right expert, could you let me know if you're looking to access your home's equity through a cash-out refinance, or if you have a different goal in mind? This will help me guide you through the next steps." } }, { "id": 3, "title": "FHA Cash-Out Refinance Eligibility in Texas", "question": "Can you do TX A 6 FHA cash out loans in Texas?", "angelAI": { "response": "No, FHA cash-out refinance is not permitted in Texas. However, Sun West Mortgage Company offers Conventional loan programs for cash-out refinancing a primary residence in Texas, subject to Section 50(a)(6) requirements.

For example, if you have $100,000 in equity in your home and want to take out $30,000 for renovations, we can explore a Conventional cash-out refinance option with you.

To determine eligibility and potential loan amounts, let's discuss your financial situation. How much are you looking to borrow?" }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Yes, we do offer Texas Section 50(a)(6) cash-out refinance loans in Texas. These loans allow you to take cash out of your home's equity on your primary residence (homestead) while refinancing your mortgage. Here are some key points:If you're interested, I can help you start an application to see what you qualify for with a Texas cash-out refinance. Would you like to proceed?" }, "lenderB": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Texas has unique rules for cash-out loans, known as Texas 50(a)(6), and these apply to both cash-out refinances and home equity loans. FHA cash-out refinances in Texas must follow these guidelines, including limits on closing costs and a max 80% loan-to-value ratio. You can learn more about the process and requirements in this article on home equity loans and cash-out refinances in Texas.

Are you looking to tap into your home equity, or do you have a specific scenario in mind?" } }, { "id": 4, "title": "FHA Rental Income Usage with Low FICO Scores", "question": "On FHA loans, Can you use positive rental income history with AUS Approval for borrower with FICO less than 620?", "angelAI": { "response": "No, we cannot use positive rental income history if the borrower's FICO is less than 620. Minimum FICO requirement to be able to use positive rental income history is 620." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "On FHA loans, positive rental income history can be used with AUS approval for borrowers with a FICO score less than 620, as long as the rental income is properly documented and meets FHA guidelines. Here are the key points:If you'd like, I can help you start an FHA loan application to see what you specifically qualify for based on your credit and income. Would you like to proceed?" }, "lenderB": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "For FHA loans, if your FICO is below 620, your application usually requires manual underwriting, even with positive rental history and Automated Underwriting System (AUS) approval. You can see more about these guidelines in this article on manual underwriting and how it works.

Are you looking to qualify with rental history as a compensating factor?" } }, { "id": 5, "title": "VA IRRRL Income Verification Requirements in Illinois", "question": "In IL, Can you do VA IRRRL loans without income verification?", "angelAI": { "response": "No, in Illinois, we require income verification for all VA IRRRL loans.

Illinois state law mandates that we verify a borrower's ability to repay on all mortgage loans – this includes VA IRRRL streamline refinance loans. This means providing documentation of your income is necessary even for a streamlined refinance through the VA program.

To get started, please reach out with your contact information and loan scenario so we can discuss specific document requirements for your situation." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "For VA Interest Rate Reduction Refinance Loans (IRRRL) in Illinois, income verification is generally not required. This is because VA IRRRLs are streamlined refinance loans designed to help veterans refinance their existing VA loan to a lower interest rate with minimal documentation.

Key points about VA IRRRLs and income verification:If you're considering a VA IRRRL, I can help you start an application to see what you qualify for. Would you like to proceed?" }, "lenderB": { "statusLabel": "Confusing and Irrelevant", "response": "We are licensed to lend in all fifty states and the District of Columbia. We do not have a license to lend in US territories. This licensing status affects the availability of loan products in different areas. However, we do service loans in Guam, Puerto Rico, and the US Virgin Islands and can assist with existing loans for clients in those locations." } }, { "id": 6, "title": "Refinance Eligibility Without 12-Month Payment History Documentation", "question": "We have a lady who's previous mortgage was in a program that did not report to the credit bureaus. She is currently in a private money loan that does not report but we will get 12 months proof. Is there any way to do a refinance for her with less than 12 months of payments being documented?", "angelAI": { "response": "No. To do a refinance, we will require at least 12 months of payments being documented." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "For a borrower with a private money loan that does not report to credit bureaus and a previous mortgage also not reporting, refinancing with less than 12 months of documented payments can be challenging but may be possible under certain conditions:If you want, I can help you start a refinance application to explore options and see what you qualify for based on your specific situation. Would you like to proceed?" }, "lenderB": { "statusLabel": "Very Generic and Does Not Address the Question", "response": "For most refinance options, lenders typically want to see 12 months of documented, on-time housing payments—especially if the previous or current mortgage doesn't report to credit bureaus. Some loan types may allow alternative documentation, but 12 months is the standard for FHA and conventional refinances. You can see more details in this article on manual underwriting and how it works.

Would you like to explore which refinance options might fit her situation?" } }, { "id": 7, "title": "Conventional Loan Eligibility by EAD Category", "question": "I have a prospect whose Employment Authorization Document (EAD) card category is A10. Can you do a conventional loan?", "angelAI": { "response": "No, Sun West Mortgage Company does not accept EAD category A10 for conventional loans.

However, we can process a conventional loan (FNMA only) with EAD categories C8, C11, or C14.

To determine if your prospect qualifies, please confirm their specific EAD category. If it's one of those three, we can move forward." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Yes, a borrower with an Employment Authorization Document (EAD) card category A10 can be eligible for a conventional loan. The key points are:If you'd like, I can help you start a conventional loan application to see what your prospect qualifies for. Would you like to proceed?" }, "lenderB": { "statusLabel": "Totally Irrelevant", "response": "Conventional loans are a great fit for many buyers, but eligibility depends on several factors, including immigration status and documentation. You can learn more about requirements in this article on conventional loans.

Are you looking to purchase, refinance, or access your home's equity for your prospect?" } }, { "id": 8, "title": "FHA Guidelines on Mortgage Payment Lates", "question": "What are the guidelines on lates on a previous FHA mortgage?", "angelAI": { "response": "Maximum 2*30 or 1*60 day late will be allowed with AUS approval." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Regarding late payments on a previous FHA mortgage, here are the key guidelines:If you want, I can help you start an application to explore your options based on your credit and payment history. Would you like to proceed?" }, "lenderB": { "statusLabel": "Irrelevant Response", "response": "For FHA loans, you'll need 12 months of verifiable housing history with no late payments of 30 days or more in the last 12 months to qualify. You can see more details in this article on FHA loans: requirements, limits, and rates.

Are you looking to purchase, refinance, or access your home's equity?" } }, { "id": 9, "title": "Excluding Auto Loan Debt from DTI on Conventional Loans", "question": "The customer has had a car loan open for only a couple months. Her dad has paid the bill for those two months. Can you exclude from DTI on conventional loans?", "angelAI": { "response": "Sun West Mortgage Company will not be able to exclude the auto loan, if the dad is not obligated on the loan." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "For a conventional loan, whether a car loan can be excluded from the debt-to-income (DTI) ratio depends on the borrower's legal obligation to pay the debt:If you'd like, I can help you start a conventional loan application to see what you qualify for based on your specific situation. Would you like to proceed?" }, "lenderB": { "statusLabel": "Very Generic", "response": "For a conventional loan, debts like car loans are usually included in the debt-to-income (DTI) ratio, even if someone else is making the payments. There are specific guidelines for excluding debts, and documentation is key. You can see more about what counts in your DTI in this article on what debt is considered when you are getting your mortgage.

Would you like to explore options for your client's scenario?" } }, { "id": 10, "title": "Refinance After Divorce", "question": "I have a situation where husband and wife are currently both on title to their home. The husband is the only one on the mortgage. They are getting divorced. The mortgage has had a 90 day late in the past 12 months and the wife is inheriting the home in the divorce. She has to refi to get his name off it. Does it matter how many lates that mortgage had since she's not on it?", "angelAI": { "response": "We can proceed with conventional limited cash out and FHA AUS approved rate and term refinance if there are no lates after the property was awarded to wife." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "In this situation, where the wife is inheriting the home through divorce and needs to refinance to remove the husband's name from the mortgage, here's what matters regarding the late payments:If you want, I can help you start a refinance application to see what options are available based on her credit and income. Would you like to proceed?" }, "lenderB": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "When refinancing after a divorce, lenders look at the payment history on the existing mortgage—even if the person refinancing wasn't on the original loan. Most lenders want to see 12 months of on-time payments, and recent late payments can make approval tougher. You can dig into the details in this article on how to remove a name from a mortgage.

Would you like to explore options for your client's scenario?" } }, { "id": 11, "title": "Conventional Loan Eligibility with FICO Below 620", "question": "Can you do a conventional loan with a FICO score less than 620?", "angelAI": { "response": "Yes, Sun West Mortgage Company can absolutely do a conventional loan with a FICO score less than 620.

Here's how: We accept Conventional loans underwritten through Desktop Underwriter (DU) or Loan Product Advisor (LPA) without a minimum credit score requirement, as long as the loan receives an Approve/Eligible or Accept finding and meets all Fannie Mae or Freddie Mac guidelines.

If your loan is manually underwritten, we require a representative credit score of 620 and adherence to all FNMA manual underwriting requirements. Additionally, we can help you build credit using alternative tradelines like telephone service or utility payments (gas, electricity, water, television, or internet).

To get started, let's discuss your specific situation so we can determine the best path forward for your loan approval. Please reach out to me directly to explore your options." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "For a conventional loan with us, the minimum credit score requirement is generally 620. Here are the key details:If you'd like, I can help you explore FHA loan options or other loan products that might fit your credit profile. Would you like to start an application to see what you qualify for?" }, "lenderB": { "statusLabel": "Partially Right but Does Not Explain Clearly", "response": "Conventional loans no longer have a set minimum credit score, so approval is based on your overall financial picture, not just your FICO. Lenders still review your credit, income, and other factors. You can see more in this article on Fannie Mae removing minimum credit scores.

Are you looking to purchase, refinance, or access your home's equity?" } }, { "id": 12, "title": "VA Loan Co-Borrower Rules", "question": "On a VA loan, can a veteran have a co-borrower that is not their spouse?", "angelAI": { "response": "Yes, a veteran can have a co-borrower on a VA loan who is not their spouse. However, this creates what's considered a \"joint loan\" with specific requirements.

Here's how it works:

Joint Loan Definition: A loan is considered joint if the borrower (veteran) and one or more non-veterans (not the spouse) are on the loan application (Form 1003).
VA Guaranty: The VA will only guarantee 25% of the veteran's portion of the loan amount. The remaining 75% must be covered by cash investment or equity in the property.
Prior Approval Required: Joint loans to a Veteran and one or more non-spouse, non-Veterans require VA Prior Approval. This means the loan file needs to be submitted to the VA for review before proceeding.
Manual Underwriting: Because prior approval is needed, these loans will need to be downgraded to manual underwriting.

Example: If a veteran applies for a $300,000 VA loan with a non-spouse co-borrower, the VA would guarantee $75,000 (25% of the veteran's share), and the borrowers would need to cover the remaining $225,000 through down payment/equity." }, "lenderA": { "statusLabel": "Confusing and Generic", "response": "On a VA loan, a veteran can have a co-borrower who is not their spouse, but there are some important conditions:If you're considering a VA loan with a co-borrower, I can help you start an application to see what you qualify for. Would you like to proceed?" }, "lenderB": { "statusLabel": "Partially Right but Does Not Guide the Customer Specifically", "response": "You can have a co-borrower who is not your spouse on a VA loan, but there are some unique requirements. The VA only guarantees the eligible veteran's portion of the loan, and the non-military co-borrower may need a down payment for their share. You can see all the details in this article on joint VA loans.

Are you looking to purchase, refinance, or access your home's equity with a VA loan?" } }, { "id": 13, "title": "Conventional Loan Eligibility with Work Authorization and SSN", "question": "Can a borrower purchase a property with a conventional loan if they have a work authorization card and a social security number?", "angelAI": { "response": "Yes, a borrower with a valid and current Employment Authorization Document (EAD) card that doesn't expire before loan closing is eligible for conventional loan through Sun West Mortgage Company. A social security number is also required as part of the process." }, "lenderA": { "statusLabel": "Confusing and Generic", "response": "Yes, a borrower can purchase a property with a conventional loan if they have a valid work authorization card and a Social Security number. Here are the key points:If you'd like, I can help you start a conventional loan application to see what you qualify for. Would you like to proceed?" }, "lenderB": { "statusLabel": "Not Wrong, but Also Gives Generic Links and Confuses the User", "response": "Yes, a borrower with a work authorization card and a Social Security number can be eligible for a conventional loan, as long as they meet other requirements like credit, income, and down payment. You can see more about these requirements in this article on conventional loans.

Are you looking to help them purchase, refinance, or access their home's equity?" } }, { "id": 14, "title": "FHA Rate & Term Refinance Occupancy Requirements", "question": "For an FHA rate term refi. I have some borrowers that have owned the home and been on title for over a year but they didn't reside in the home technically for the previous 12 months. They did not reside in the home the previous 12 months because the co borrower was finishing her degree in California from 1/2025 to 8/2025. They have been in the home now since 8/2025. Would we have to show they have resided in the home 12 months to do a rate term refi? Is there a certain time frame for residing in the home for a rate term?", "angelAI": { "response": "For an FHA rate and term refinance, the borrower must have occupied the subject property as their primary residence for the previous 12 months. Since the borrowers were away from 1/2025 to 8/2025 due to the co-borrower finishing her degree, they would need to demonstrate that the property remained their primary residence during that period. Acceptable documentation could include utility bills, mail, or other evidence showing the property was maintained as their primary residence even during the temporary absence.

If the temporary absence can be sufficiently documented and the property was consistently treated as their primary residence, the FHA rate and term refinance may still be feasible. However, this will be subject to underwriter review and approval." }, "lenderA": { "statusLabel": "Confusing and Generic", "response": "For an FHA rate-and-term refinance, the key residency requirement is:So, in this case, since the borrowers have not resided in the home for the full 12 months, they may not qualify for an FHA rate-and-term refinance. They might need to consider a cash-out refinance or wait until the 12-month occupancy is met.

If you'd like, I can help you start an FHA refinance application to explore options based on their specific situation. Would you like to proceed?" }, "lenderB": { "statusLabel": "Very Generic", "response": "For an FHA rate-and-term refinance, lenders usually want to see 12 months of verifiable housing history with no late payments, and the home must be your primary residence. You can dig into the details in this article on FHA loans: requirements, limits, and rates.

Would you like to explore options for your clients' scenario?" } }, { "id": 15, "title": "VA Loan Eligibility with No Credit Score", "question": "I have a veteran who is looking to purchase a home in the next few weeks, but had no scores. Do you need a minimum score?", "angelAI": { "response": "No, we do not require a minimum credit score for VA loans. Sun West Mortgage Company accepts borrowers with no established credit history.

We can build credit through alternate, non-traditional tradelines such as:To get started, let's discuss your veteran's income and debt obligations to determine loan eligibility and potential purchase power. Please reach out to me directly so we can begin pre-approval." }, "lenderA": { "statusLabel": "Confusing and Generic", "response": "For a veteran looking to purchase a home with a VA loan but has no credit scores, here's what applies:Would you like help starting a VA loan application or connecting with a loan officer to discuss this further?" }, "lenderB": { "statusLabel": "Overlays That Do Not Serve the Veteran", "response": "A VA loan doesn't require a minimum credit score from the VA itself, but most lenders set their own requirements. We require a score of at least 580, so a veteran with no scores may need to build some credit first. You can see more in this article on VA loan credit score requirements.

Would you like tips on helping your client build credit or explore other options?" } }, { "id": 16, "title": "Using Rental Income from In-Law Units in FHA Loans", "question": "Can a rental income from in-law units be used in FHA loan?", "angelAI": { "response": "Yes, rental income from in-law units can be used in FHA loans. Specifically, if the property is a 1-unit primary residence with an Accessory Dwelling Unit (ADU), or a 2–4 unit primary residence, you can utilize that rental income for qualifying purposes.

For FHA loans, the qualifying income will be the lesser of:
a. The monthly income reported on the operating income statement (form 998 / 216); OR
b. 75% of the lower amount between the fair market rent reported by the appraiser and the rent reflected in your lease agreement.

To proceed, please provide details regarding the number of units in the subject property so I can confirm specific guidelines apply to your scenario." }, "lenderA": { "statusLabel": "Not Warranted Response", "response": "Yes, rental income from in-law units can be used for FHA loan qualification under certain conditions:If you want, I can provide more details on documentation or help you start an FHA loan application to see what you qualify for. Would you like that?" }, "lenderB": { "statusLabel": "Not Warranted Response", "response": "You can use rental income from in-law units to help qualify for an FHA loan, as long as the property is a primary residence and has up to four units. Lenders typically count a portion of the rental income from additional units when qualifying you, following the FHA 75% rule. Learn more about FHA multifamily loans.

Are you looking to purchase or refinance a property with in-law units?" } }, { "id": 17, "title": "Medical Leave and Missing Docs", "question": "

I have another new c/o refi. The client (non occupying co-borrower) was on medical disability for 7 months. He just returned to work on 1/12/26. This is a conventional refi primary residence, with a non occupying co-borrower. The co-borrower is the one who was off on medical leave.

Do we have to wait for him to receive 30 days worth of paystubs in order to close our loan?

Also, the daughter pays for another home he owns, and to omit the payment, we need to show 12 months worth of proof. Well, they have inquired and cannot find the April 2025 proof of payment. Is there another way to help or get an exception for that one month?

", "angelAI": { "response": "30 days' worth of pay stubs are not required. The paystub must be dated no earlier than 30 days prior to the initial loan application date and it must include all year-to-date earnings. Additionally, the paystub must include sufficient information to appropriately calculate income. If the borrower's hours vary, paystubs covering a longer period may be required.

Per guidelines, 12 months of payment history is required to exclude the mortgage liability. Additionally, the daughter must be obligated on the mortgage note in order for the payments to be excluded." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Thanks for sharing those details. To make sure you get the most accurate guidance, I may need to connect you with one of our experts who can dive deeper into your questions. Would you like me to check if someone is available to help you further?" }, "lenderB": { "statusLabel": "Question Too Long Error", "response": "ERROR: {\"name\":\"BadRequestError\",\"error\":true,\"message\":\"Sorry the message you sent is too long. Please try again with a shorter message.\",\"data\":{},\"errors\":[{\"message\":\"Sorry the message you sent is too long. Please try again with a shorter message.\"}],\"stack\":[]}" } }, { "id": 18, "title": "Guest House Occupancy", "question": "I have a borrower who has a home in California and she lives in the guest house, outback and rented the main house. Would this be considered owner occupied?", "angelAI": { "response": "The property can be considered owner occupied if the borrower's occupancy is well-supported by employment documentation and utility bills. However rental income from the main house cannot be used to qualify the borrower." }, "lenderA": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "I'm going to connect you with an expert who can provide more detailed guidance on this." }, "lenderB": { "statusLabel": "Confusing and Misleading", "response": "If the borrower is living in the guest house on the property (while renting out the main house), owner occupancy may not be straightforward. For a loan to be considered \"owner-occupied,\" the borrower typically must live in and have exclusive control over the main dwelling or primary residential unit.

Living in an accessory dwelling unit or guest house may not satisfy the standard definition of primary residence with most lenders, and the property could be classified as an investment property. This determination can be based on how the property is described legally and reported to the lender." } }, { "id": 19, "title": "Using Rental Income Not yet Reported on Tax Returns", "question": "If a borrower has a rental property but has not reported the income to the IRS, are we able to use a rental agreement to calculate rent? This is for qualifying a borrower for VA Purchase loan. They owned the property for over a year but rented it out for less than a year.", "angelAI": { "response": "VA guidelines require a two-year rental history documented on the borrower's tax returns for rental income to be considered for qualification. However, if a property was recently converted from a primary residence to an investment property, the rental income may be used to offset the mortgage payment on that property. In general, rental income from an investment property requires a two-year history to be eligible." }, "lenderA": { "statusLabel": "Confusing and Generic with No Actionable Guidance", "response": "For a VA purchase loan, if the borrower has owned the rental property for over a year but has rented it out for less than a year—and the rental income hasn't been reported to the IRS—you may still be able to use a fully executed lease agreement to document the rental income.

The lease agreement may be used to support rental income in this scenario, especially if the property was out of service for part of the prior year or rental income is not yet reflected on tax returns. Lenders will typically want to see evidence that the lease terms are in effect, such as proof of security deposit or the first month's rent, or a couple of months' bank statements showing rent payments.

Requirements can vary, so exact needs may depend on the lender and AUS/manual underwriting guidance." }, "lenderB": { "statusLabel": "Confusing and Generic with No Actionable Guidance", "response": "For VA loans, rental income can sometimes be used to help qualify, but there are specific documentation requirements. Typically, lenders require proof that the rental income is consistent and likely to continue. This often means showing it on tax returns, but in some cases, a fully executed lease agreement and an appraisal report (such as a 1007 or 1025) may be used, with a 25% reduction applied to account for vacancies.

Since your scenario involves the property being owned for over a year but rented for less than a year, and the income hasn't been reported to the IRS, the requirements can be more complex and may depend on the lender's specific guidelines.

Would you like me to connect you with a VA loan expert who can review your exact situation and documentation?" } }, { "id": 20, "title": "Trust Income for Conventional Loan Qualification", "question": "I have a customer with trust income who is the grantor. She has been receiving income for 24 months and just raised her monthly withdrawal. Can I use the new higher amount for her qualification? Conventional 30 year fixed.", "angelAI": { "response": "A trustee letter is required and must include the full trust name, trust formation date, frequency of payment, type of income, and amount. In addition, one month of the borrower's personal bank statement showing the increased trust income distribution is required.

The two most recent months of trust account statements are also required to verify account balances. Continuity of income must be documented for a minimum of three years, reflecting a higher monthly distribution.

The loan must qualify as a DU (Fannie Mae) file." }, "lenderA": { "statusLabel": "Confusing and Generic with No Actionable Guidance", "response": "You may use trust income for qualification on a conventional 30-year fixed loan if:So, you can't automatically use only the new higher amount unless it's established in trust documentation as a fixed distribution and can be shown to continue. Otherwise, typically the income is averaged over 24 months." }, "lenderB": { "statusLabel": "Generic and Just Connects to a Human", "response": "To determine if the new, higher trust income amount can be used for qualification on a conventional 30-year fixed loan, lenders generally need to verify that the income is stable, likely to continue, and supported by documentation. Since your client is the grantor and recently increased her monthly withdrawal after 24 months of consistent income, the key question is whether the new amount is considered stable and likely to continue.

Guidelines can be specific about how long the higher amount must be received or documented before it can be used for qualification. Would you like me to connect you with a live expert to review the documentation and confirm if the new withdrawal amount can be used for qualifying income?" } }, { "id": 21, "title": "Change of Income from Hourly to Commission Pay", "question": "Borrower has worked for the same employer for 2.5 years. In June as part of a promotion went from hourly to commission. They call it commission; it is just a different way of scheduling her patients and paying on a per patient basis instead of hourly. Can commission income be used?", "angelAI": { "response": "The income cannot be used until the borrower has completed 12 months of earning commission income." }, "lenderA": { "statusLabel": "Wrong Answer", "response": "Yes, commission income can be used for conventional loan qualification. Here's how it applies to your borrower:So yes, the income can be considered—even if it's newly classified as commission—if you can document stability and continuance." }, "lenderB": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Thanks for sharing those details. To make sure you get the most accurate guidance, I may need to connect you with one of our experts who can dive deeper into your question. Would you like me to check if someone is available to help you further?" } }, { "id": 22, "title": "Split-State Primary Residence", "question": "Applicant would like to purchase her very first home in FL. She currently lives in NY and plans on living in FL for 8 months out the year and 4 months back in NY. Can we view it as primary?", "angelAI": { "response": "The loan must be reviewed to determine occupancy. If the borrower does not have an established history and is unable to provide documentation supporting the living arrangement and work schedule, the property will not likely be acceptable as a primary residence. But with history and sufficient verification of residency, the loan can be done as primary residence." }, "lenderA": { "statusLabel": "Generic with No Actionable Guidance", "response": "Yes, the Florida home can be considered a primary residence as long as the applicant intends to live there for the majority of the year (more than 6 months), establish sufficient ties to the property (such as updating her driver's license, voter registration, or primary mailing address), and does not own another primary residence elsewhere.

Lenders expect the home designated as \"primary\" to be where the borrower spends most of their time. Living in FL for 8 months per year and NY for 4 months generally meets conventional loan guidelines for primary residence occupancy." }, "lenderB": { "statusLabel": "Their A.I. Failed 🤦. Another old lender with low tech, low IQ software 😝.", "response": "Thank you for sharing those details! To make sure I connect you with the right expert, could you confirm that you're interested in purchasing a home in Florida as your primary residence? Understanding your goal helps us match you with the best person to assist.

Once you confirm, I'll just need a few more details to get you connected with an expert who can answer your specific questions about primary residence qualifications and guide you through the process. Does that sound good?

User: Yes

Great! To make sure we match you with the right expert, can you confirm that Florida is the state where you're looking to purchase your first home? This helps us connect you with someone who knows the local market and requirements.

User: Yes

Thank you! To connect you with an expert who can answer your questions and help with your first home purchase in Florida, could you please provide the following:This information will help us put you in touch with the right person to guide you through the process and answer your specific questions about primary residence qualifications." } }, { "id": 23, "title": "FHA Manual Underwrite with No-Score Borrower", "question": "We have a FHA approval in which we have two borrowers. One has 3 scores and the other has no scores due to insufficient credit. My understanding is that these can still be done as manual UW loans. Can you tell us what the DTI limits are on your manuals as well as any other information that would assist us with approving them? Also, if we were able to get the borrower credit over time, how many scores would he need in order for this to be a standard FHA loan?", "angelAI": { "response": "If the borrower does not have credit scores, then maximum ratios will be 31%/43%.

To determine whether a borrower has sufficient credit history at least three credit references reviewed for 12 months are required as below:

1) At least one credit reference from a Primary credit reference.
2) All Primary credit references must be exhausted before considering Secondary credit references.

List of Primary credit references:Note: If the borrower is renting from a family member, independent documents proving regular payments (such as canceled checks) are required.

List of Secondary credit references:AUS approval will be required if the borrower is able to generate credit scores." }, "lenderA": { "statusLabel": "Generic with No Actionable Guidance", "response": "Here's what I can share based on our FHA manual underwriting guidelines:For your borrower with no credit scores: If you're able to help them establish credit, FHA guidelines generally require at least two credit scores for standard automated underwriting. However, our specific requirements may differ, so if you're working toward automated approval, aiming for three scores is safest.

Would you like more details on acceptable compensating factors, or do you have questions about building credit for the borrower with no scores?" }, "lenderB": { "statusLabel": "Question Too Long Error", "response": "ERROR: {\"name\":\"BadRequestError\",\"error\":true,\"message\":\"Sorry the message you sent is too long. Please try again with a shorter message.\",\"data\":{},\"errors\":[{\"message\":\"Sorry the message you sent is too long. Please try again with a shorter message.\"}],\"stack\":[]}" } }, { "id": 24, "title": "Occupancy Period for Investment to Primary Residence", "question": "Borrower is occupying his investment property. How long would he need to wait before we can call it his primary and get that primary rate. I cannot find anything in the guides - they do not provide a specific minimum time frame for how long the borrower must live in the property to convert it from an investment property to a primary residence and qualify for primary residence mortgage rates.", "angelAI": { "response": "The borrower must occupy the property for a reasonable period of time and be able to document such occupancy. Typically, a minimum of three months' occupancy is acceptable; however, the underwriter may approve a shorter period if the borrower can provide sufficient documentation to justify the occupancy." }, "lenderA": { "statusLabel": "Correct Response but Not Warranted", "response": "Great question—this is a common area of confusion. While the official guidelines may not always specify a minimum time frame, most lenders (including us) generally require that you live in a property as your primary residence for at least 12 months before you can refinance or otherwise qualify for primary residence mortgage rates. This 12-month period is a standard industry practice, but individual lender requirements can vary. If you're considering converting an investment property to a primary residence, it's important to communicate your intent clearly with your lender and be prepared to document your occupancy. If you'd like, I can connect you with a live expert for more specific guidance based on your client's situation. Would you like to be transferred to an expert for further clarification?" }, "lenderB": { "statusLabel": "Correct Response but Not Warranted", "response": "To classify a property as a primary residence, you must live in the home for the majority of the year. Once you actually move in and can demonstrate this occupancy, you can apply for a primary residence refinance and may be eligible for primary home loan rates.

There isn't a set \"waiting period\"—the key factor is being able to show that you now occupy and intend to continue occupying the property as your main home. Lenders typically require documentation to prove the change in occupancy, like a utility bill, ID address update, or occupancy affidavit." } }, { "id": 25, "title": "Investment Purchase With Non-Borrowing Co-Buyer Funds", "question": "I have a client who is buying an investment property, jointly with his brother, but only he will be on the loan. We do not want to include the brother on the loan. Both will be on title, both on the purchase contract. They now own one property together; this will be their second. The co-buying, non-borrowing brother will contribute the down payment/closing funds. It is not a gift because he is a buyer and party to the transaction, but I am being told that it is considered gift funds, which are not allowed on investment purchases. I am confused why other lenders are viewing it this way, as this is not spelled out in the guidelines, and again, he is a buyer, just not on the loan.", "angelAI": { "response": "The brother is just a co-mortgagor and not co-signor. This is why funds from him are treated as gifts. Gifts are not permitted for investment properties under agency guidelines. All funds must originate from the borrower's own account." }, "lenderA": { "statusLabel": "Response Is Correct, but Not Warranted and Connects to a Human to Verify", "response": "Based on current guidelines, for investment property purchases, gift funds cannot be used for the down payment—even if the funds are coming from a co-buyer who is on the title and purchase contract but not on the loan. Lenders typically require that the borrower fund the down payment with their own assets for investment properties.

I understand this can be confusing since the co-buyer is a party to the transaction, but the key factor is that only the borrower on the loan can provide the down payment funds for investment properties. If you'd like, I can look up more detailed policy information or connect you with a live expert for further clarification. Would you like to proceed with either of those options?" }, "lenderB": { "statusLabel": "Question Too Long Error", "response": "ERROR: {\"name\":\"BadRequestError\",\"error\":true,\"message\":\"Sorry the message you sent is too long. Please try again with a shorter message.\",\"data\":{},\"errors\":[{\"message\":\"Sorry the message you sent is too long. Please try again with a shorter message.\"}],\"stack\":[]}" } }, { "id": 26, "title": "Self-Employed Spouses with Only One Credit Profile", "question": "We have a borrower who is self-employed together with his wife and they are applying for a conventional loan. The wife does not have any credit score, only the husband does. Can we use the full Schedule C income for qualification, even though only one spouse has an established credit profile?", "angelAI": { "response": "Full Schedule C income may be used; however, AUS approval is required for borrowers without a credit score. DU may approve if one of the borrowers has a credit score. As long as DU approval is available full income could be used considering both borrowers." }, "lenderA": { "statusLabel": "Confusing and Generic", "response": "For a conventional loan with married self-employed borrowers—if only one spouse has a credit score, you can use the full Schedule C self-employment income from both, as long as both are borrowers on the loan and income is stable and properly documented. The absence of a credit score for one spouse does not automatically disqualify their income, but the overall loan eligibility will be impacted by the non-traditional credit profile.

Lenders will assess all available credit and may require alternative credit documentation for the spouse without a score. Make sure both meet other requirements for self-employment income (like a two-year history)." }, "lenderB": { "statusLabel": "Correct, but Adds Disclaimer That 'to Ensure You Get the Most Accurate Answer, They Have to Connect to a Human'", "response": "For self-employed borrowers applying for a conventional loan, lenders typically use net income from Schedule C after business expenses are accounted for, and both applicants' credit profiles are considered in the approval process. Since only the husband has a credit score and both spouses are self-employed, the ability to use the full Schedule C income for qualification may depend on how the loan is structured and the lender's specific requirements.

To ensure you get the most accurate answer for your scenario, would you like me to connect you with a Home Loan Expert who can review your documentation and provide guidance based on your unique situation?" } }, { "id": 27, "title": "Home Affordability", "question": "I make 225000 dollars per year and pay $1000 in debts monthly. I have about 50K in my bank. How much can I buy a house for?", "angelAI": { "response": "Congratulations on starting your home purchase planning! Let me help you figure out your budget.

What is your gross annual income?

User: $225,000

How much do you pay monthly towards any existing debt?

User: $1,000

How much funds do you have for down payment?

User: $50,000

\"Calculation

Would you like to start an application?" }, "lenderA": { "statusLabel": "Does Not Maximize the Income and Limits DTI to 43%", "response": "With your income of $225,000 per year, $1,000 in monthly debts, and $50,000 saved for a down payment, you could be able to qualify for a sizable home purchase. The amount you can afford will depend on factors like your credit score, property taxes, insurance, and interest rate, but here are a few guidelines:For a truly personalized amount, finishing your preapproval application will give you a clear answer with numbers just for you!" }, "lenderB": { "statusLabel": "Connects to a Generic Web-Based Tool", "response": "I'd be happy to help you explore what you can afford! For a personalized estimate based on your income, debts, and savings, I recommend using our helpful tools:These tools will let you enter your specific details and see what home price might fit your budget. If you have more questions or want to discuss loan options, let me know!" } } ], "angelAiDisclaimer": "© 2026 Celligence LLC. All rights reserved." }, "pavansection": { "title": "The Gold Standard of Ai", "scenario": [ { "id": "scenario_p1", "label": "Expanded Data Foundation:", "content": "With a significantly expanded data foundation, Roshni ensures more comprehensive insights." }, { "id": "scenario_p2", "label": "Enhanced Neural Net Architecture:", "content": "The architecture is built for maximum performance, ensuring smooth processing of complex requests." }, { "id": "scenario_p3", "label": "New Creative Inter-connections:", "content": "Roshni's neural network features creative connections that allow it to adapt and grow intelligently." }, { "id": "scenario_p4", "label": "Massive Efficiency Gains:", "content": "There are a lot of optimizations done in the algorithm that makes Roshni faster with less power. Roshni delivers powerful Ai performance with minimal GPU usage, setting a new benchmark in energy-efficient Ai technology." } ], "quote": { "text": "Roshni's ability to run efficiently on minimal power while delivering exceptional results is a direct result of our innovative approach. By focusing on creative inter-connections rather than sheer data size, AngelAi has created a gold standard in Ai that's accessible, sustainable, and groundbreaking.", "author": { "name": "Pavan Agarwal", "title": "CEO of Sun West and
Creator of AngelAi" } } }, "roshniPhilosophy": { "bulbImage": "bulb-gif.gif", "paragraphs": [ "Roshni (रोशनी) is a Sanskrit word that translates to \"light\"—a symbol of illumination, clarity, and enlightenment. In Indian philosophy, light represents knowledge, truth, and the dispelling of darkness, embodying a force that guides individuals toward insight and understanding. It is the essence of progress—bringing brilliance and shedding light on what was previously unknown.", "At the core of AngelAi's innovative technology, Roshni brings this philosophy to life. Just as रोशनी brings light into the darkness, Roshni brings clarity and efficiency to artificial intelligence. It redefines how Ai performs, with a dynamic and sophisticated neural network all while operating with a fraction of the energy that traditional systems require.", "Roshni (रोशनी) illuminates the true potential of Ai—optimizing both energy and performance with unparalleled precision." ] }, "disclaimer": { "data": [ "Visit angelai.com/warranty for terms and limitations of the AngelAi Warranty.", "AngelAi is a technology solution built by Celligence LLC and has a licensing agreement with Sun West Mortgage Company, Inc. NMLS 3277 to deliver superior quality financial services to you.", "Mortgage and other financial services are provided by Sun West Mortgage Company, Inc. NMLS 3277. For licensing information, go to: www.nmlsconsumeraccess.org. Visit https://www.swmc.com/disclaimer for the full list of license information. Please Click Here to view Texas Complaint Notice and Servicing Disclosure." ] } }