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Fannie Mae Guideline Lookup

guideline-lookup

Look up Fannie Mae underwriting guidelines for income, assets, credit, or collateral verification. Use when questions involve DTI, income documentation, asset requirements, credit standards, or any B3/B4 guideline references. Reads guidelines dynamically from configs/guidelines/ - never hardcodes...

SKILL.md

Full skill instructions

Fannie Mae Guideline Lookup

Purpose

Query Fannie Mae Selling Guide sections for underwriting requirements without hardcoding guideline content.

Instructions

Step 1: Check if guidelines exist

ls configs/​guidelines/

If the directory is empty or missing, instruct the developer:

make fetch-guidelines

Step 2: Identify the relevant section

Guidelines are organized by domain:

SectionDirectoryGuideline IDs
Incomeconfigs/​guidelines/​income/B3-3.1-01 through B3-3.2-02
Assetsconfigs/​guidelines/​assets/B3-4.1-01 through B3-4.3-03
Creditconfigs/​guidelines/​credit/B3-5.1-01 through B3-5.4-03
Collateralconfigs/​guidelines/​collateral/B4-1.1-01 through B4-1.3-02

Step 3: Read the relevant guideline file

# List available guidelines in a section
ls configs/​guidelines/​income/

# Read a specific guideline
cat configs/​guidelines/​income/​b3-3.1-01.md

Step 4: Quote directly from the file

  • Always quote the exact text from the markdown file
  • Include the guideline ID (e.g., B3-3.1-01) in your response
  • Note the effective date if present

Common Topics by Guideline

Income (B3-3.1 through B3-3.2)

  • B3-3.1-01: General income information
  • B3-3.1-02: Employment documentation standards
  • B3-3.1-03: Base pay, salary, hourly, bonus, overtime
  • B3-3.1-04: Commission income
  • B3-3.1-05: Secondary/​seasonal employment
  • B3-3.1-06: IRS Form 4506-C requirements
  • B3-3.1-07: Verbal verification of employment
  • B3-3.1-08: Rental income
  • B3-3.1-09: Other income sources
  • B3-3.2-01: Self-employed borrower underwriting
  • B3-3.2-02: Business structures

Assets (B3-4.1 through B3-4.3)

  • Asset documentation requirements
  • Gift fund guidelines
  • Reserves requirements

Credit (B3-5.1 through B3-5.4)

  • Credit score requirements
  • Credit history evaluation
  • Debt-to-income calculations

Collateral (B4-1.1 through B4-1.3)

  • Appraisal requirements
  • Property eligibility
  • Title requirements

Important

  • NEVER hardcode guideline content in responses
  • ALWAYS read from configs/​guidelines/ files
  • Guidelines may be updated - always read the current file
  • Reference internal/​guidelines/​fetcher.go:SectionConfig for URL mappings

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