LoanSifter via Marcus

Read-only pricing scenarios

Eligibility refs and synthetic rate scenario summaries for supervision. The assistant prepares read-only scenario context; rate lock, submission, disclosure, credit pull, and AUS remain deferred to separate gated flows.

Rate / pricing scenario

Read-only synthetic scenario and eligibility context. Rate lock, submission, disclosure, credit pull, and AUS stay deferred to gated flows.

Scenario assumptions

Purpose
purchase
Occupancy
primary_residence
State
TX
Loan amount
$380,000
Estimated value
$400,000
LTV
95%
Credit band (synthetic tier)
720-739
Product
conventional
Term
30 yr
Lock period
30 days
Points
par

LoanSifter account gate (active)

authenticated_readallowedpricing_scenario_readallowedlockblockedsubmitblockeddiscloseblockedcredit_pullblockedausblockedborrower_sendblocked

read only pricing until separately authorized

Rate lock blockedProvider mutation blockedCredit pull blocked

Eligibility & rate scenario refs

Synthetic eligibility and rate scenario action descriptors. Calculation is refs-only; lock and submission stay gated.

Workflow state

eligibility_review

Valid next states

  • document_collection
  • program_selection

Transition blockers

  • missing_income_documentation_ref

Readiness

needs info

Blockers

  • missing_income_documentation_ref
  • missing_income_documentation_ref
  • live_rate_lock_requires_separate_gate
  • synthetic_conditions_ref_required

Missing fields

  • income_package_ref

Warnings

  • rate_lock_blocked_live_action

Action descriptors (synthetic, refs-only)

  • Advance synthetic workflow state

    advance_workflow

    blocked_if: missing_income_documentation_ref

    needs mlo supervision

  • Run synthetic eligibility summary

    run_synthetic_eligibility

    blocked_if: missing_income_documentation_ref

    synthetic only

  • Request missing ref-only eligibility inputs

    request_missing_info

    eligible

  • Prepare synthetic document checklist/disclosure preview

    prepare_synthetic_disclosure_preview

    blocked_if: paystub_ref_required, bank_statement_ref_required

    synthetic only

  • Calculate synthetic rate scenario summary

    calculate_synthetic_rate_scenario

    blocked_if: live_rate_lock_requires_separate_gate

    synthetic only

  • Run synthetic AUS findings summary

    run_synthetic_aus

    blocked_if: synthetic_conditions_ref_required

    synthetic only

Evidence refs

  • operating_summary_evidence_ref_24f_001
  • workflow_evidence_ref_24f_001
  • eligibility_evidence_ref_24f_001
  • document_checklist_evidence_ref_24f_001
  • rate_scenario_evidence_ref_24f_001
  • synthetic_aus_evidence_ref_24f_001
Allowed: authenticated read and pricing scenario readback. Blocked: lock, submit, disclose, credit pull, AUS, and borrower/provider send. Evidence: redacted refs and assumptions only, no secret material.