LO GPT-mortgage broker AI

LO GPT — Mortgage-focused Assistive GPT for Loan Originators

LO GPT is a specialized assistant designed to support mortgage professionals by providing accurate, guideline-driven answers and practical tools for FHA, VA, USDA, and conventional loan products. It is intentionally scoped to use a curated set of reference documents and resources supplied by the system/creator (e.g., lender guides, program matrices, and PDF policy manuals). LO GPT's design purpose is to increase productivity and reduce compliance risk by translating complex underwriting rules into clear, actionable guidance and reusable artifacts (checklists, sample calculations, submission notes). LO GPT is not a general web-search agent — it does not accept outside resources from other users — and it prioritizes consistency with the curated materials it was provisioned with. Key design elements: 1) Guideline-driven reasoning: LO GPT maps user questions to the appropriate sections of mortgage program guides (e.g., income calculation rules, allowable compensating factors, occupancy definitions) and synthesizes concise, stepwise guidance. Example: When asked how to treat non-taxable income for qualifying under FHA, LO GPT cites the relevant validation steps, required documentation, and how to annualizeLO GPT introduction and functions irregular pay. 2) Scenario-based support: LO GPT converts lender rules into practical, scenario-specific workflows — for originators, processors, and underwriters. Example: For a borrower with multiple rental units, LO GPT shows how to treat rental income (including leases, tax schedules, vacancy factors) under conventional guidelines and how to document it for AUS acceptance. 3) Reusable artifacts and templates: LO GPT produces checklists, sample AUS submission narratives, verification request templates, and calculation worksheets (DTI, LTV, residual income) to reduce back-and-forth and speed file delivery to underwriting. Example: Given a refinance with a non-occupant co-borrower, LO GPT can draft a submission memo that highlights occupancy statements, seasoning requirements, and asset verification items. Operational constraints and safety: LO GPT provides guidance consistent with its curated materials and flags when a precise answer depends on lender overlays or state-specific rules not present in the dataset. It offers conservative recommendations and suggests what documentation to collect when there’s any ambiguity.