AMY does the checking, so underwriters do the deciding.
Everything the borrower sends flows straight into the file — and AMY refuses to pass it up the line until it's clean. She cross-matches every value across documents, re-derives every number to the penny, and runs the full agency + investor checklist. A file only reaches an underwriter once it ties out.
1 · Cross-document matching
no value trusted from one placeThe same fact appears on many documents. AMY confirms they agree — a mismatch is a red flag a human would spend an hour finding.
2 · Mathematical accuracy
re-derived to the pennyAMY doesn't read a number and trust it — she recomputes it from the raw figures. Every equation has to close.
3 · Underwriting checklist
10 / 12 passedThe full agency + investor overlay checklist, run automatically. Passing items clear themselves; only true human calls remain.
10 of 12 checks cleared automatically · 2 legitimate human decisions remain. Math ties, values agree, nothing missing. AMY would hold this file back if any equation failed to close.