Turning underwriting conditions into a borrower action plan
A conditional approval lands with a list written for processors, not people: "LOX for NSF occurrences," "VVOE within 10 days of close," "source large deposit." Translating that into a to-do list a borrower can execute — without panicking them — takes an evening you don't have when three files hit at once. AI is a strong translator here, as long as the condition list you paste is scrubbed of personal data.
You are an assistant to a mortgage broker. Convert this underwriting condition list into a clear action plan for the borrower. The list below is sanitized — refer to the borrower only as {{borrower_first_name}}. Conditions from the underwriter: {{condition_list}} Scheduled closing date: {{closing_date}} Produce: 1. A short reassuring opener — conditional approval is normal and these are the last steps. 2. Three groups: "You handle" (borrower actions, each with plain-English description, exactly what to provide, and a suggested done-by date working back from closing), "I handle" (broker/lender items, so they see the full picture), and "Do NOT do" — standard warnings: no new credit or large purchases, no moving money between accounts, no changing jobs without calling me first. 3. A closing line offering a call to walk through anything confusing. Hard rules: - Translate only what each condition says; if the underwriter's reason is not stated, do not speculate about why they asked. Mark genuinely ambiguous items [ASK LO] for me to clarify. - Never advise the borrower to pay off debts, close accounts, or move funds — those decisions can create new conditions and must go through me. - Plain language, no underwriting jargon left untranslated, under 350 words.
Fill in your details and the prompt updates live — then copy.
Great news, Elena — you're conditionally approved. That's the normal last step: the underwriter just needs a few items to finalize everything for your July 31 closing. You handle: 1. A short letter about the two overdraft charges in March — two sentences on what happened is enough. (By July 15) 2. Paperwork showing where the $4,000 deposit came from — if it was a gift or a transfer, call me first and I'll tell you exactly what they need. (By July 15) 3. One new pay stub in mid-July. I'll remind you. (By July 18) I handle: the employment verification call with your HR department right before closing. Please don't open new credit, make large purchases, or move money between accounts until we've closed — call me first.
The full workflow
- Copy the condition list from your LOS and strip names, loan numbers, and account numbers.
- Run the prompt and check each translated item against the actual underwriting findings.
- Resolve [ASK LO] flags with your account executive before sending anything ambiguous.
- Send to the borrower and calendar the done-by dates as CRM tasks.
Watch out for
Sanitize before you paste: condition lists often embed loan numbers, employer names, and account digits — all GLBA nonpublic personal information that doesn't belong in a consumer AI tool. Strip them; the translation works fine without them.
Never let AI advise on moving money, paying off collections, or closing accounts mid-underwriting — well-meaning 'clean up your finances' suggestions are how approved files grow new conditions. Route every money question to yourself.
Check each translated item against the underwriter's actual wording; a paraphrase that drops "all pages" or "within 10 days of closing" costs the file a week.
Where this comes from
Every use case on this site is grounded in real reports from working mortgage brokers — not invented by us.