HL-40077
Step 4 · Obligations and DTIstate
held
file 5 of 108
interrupt
low_confidence
low confidence
waiting
3m
astro · paused
low_confidence
The checker couldn’t re-derive the qualifying payment from what the underwriter recorded — which figure stands?
What the run already has
mortgage statement pg 2escrow · $121.50
mortgage statement pg 7escrow · $121.50
recorded$3,418.00 — underwriter
re-derived$3,296.50 — checker
difference$121.50
likely causeescrow counted twice, pg 2 and pg 7
The outcome is unchanged either way
DTI moves 39.8% to 38.4%. Outcome unchanged, but the recorded figure is what appears on the final record.
Everything above came from the run — no document reading required. If answering this needs the loan folder, the payload is incomplete and that is a spec defect rather than a training issue.