8 AI skill files built around federal mortgage compliance law. Pre-approval letters, denial notices, rate outreach, disclosure explainers, a Fannie Mae LL-2026-04 AI governance policy, and a pre-send compliance audit. Every output comes stamped as an MLO-review-required draft.
Fannie Mae Lender Letter LL-2026-04 (April 8, 2026) requires every seller/servicer to have a documented AI governance framework. Most individual loan originators and small mortgage businesses are already using AI, but almost none have documented it. Skill 07 generates a policy structured around all six LL-2026-04 requirements, scaled to your business size.
In Claude: create a Project and upload the .md file as context. In ChatGPT: paste into your custom GPT instructions. One workspace per skill gives the cleanest results.
Each skill has a structured input template in the Quick-Start Guide PDF. Provide your borrower details and context. The AI generates the draft with compliance guardrails active automatically.
Every output is stamped as an MLO-review-required draft. Review and edit, then run Skill 08 on any communication before it goes to a borrower. Send after your approval.
No compliance team. No legal counsel on retainer. These skills give you a structured federal-law compliance layer for your AI drafts without the overhead.
Already using AI for client communications? This toolkit formalizes that into a documented, Fannie Mae-aligned workflow with a written AI governance policy you can show an examiner.
Give every originator on your team the same compliance-first AI workflow. Skill 07 generates a written AI policy scaled to your team size, satisfying the LL-2026-04 requirement.
Not for: mortgage servicers, large institutional lenders, or anyone looking for software. This is structured AI instruction files, not an app.
Any AI that accepts uploaded files or system prompt instructions. Claude is recommended — use Claude Projects for the cleanest setup. ChatGPT works via custom GPTs. Any other chat AI that accepts a system prompt works too. No subscription to the AI is included; you need your own Claude or ChatGPT account.
No. These are workflow tools, not a compliance certification. Every output is stamped as a draft requiring MLO review before sending. The guardrails significantly reduce risk on common errors, but you are responsible for final review of every communication you send to a borrower.
Skill 07 generates a policy structured around all six required LL-2026-04 elements. The output must be reviewed by the MLO of record. For lenders subject to Fannie Mae seller/servicer requirements, confirm with compliance counsel before formal adoption. A generated policy alone is not a governance program.
No. The toolkit covers federal law only, making it jurisdiction-neutral across all 50 states. Federal mortgage law (TILA, RESPA, ECOA, etc.) applies to virtually all residential mortgage lending regardless of charter type or state. State-specific requirements are not covered.
A ZIP file containing 8 Markdown (.md) skill files, a full-color Quick-Start Guide PDF with copy-paste input templates for every skill, and a README with setup instructions and the full liability disclaimer. Approximately 41 KB total.
Yes. They're plain Markdown, open in any text editor. Most buyers add their firm name, NMLS ID, and any shop-specific communication style preferences. Don't remove the compliance guardrails or the required draft footer — those are the liability protection layer.
Less than the cost of one CFPB complaint response letter. Federal guardrails on every output.
For licensed mortgage loan originators. Not legal advice. All outputs require MLO review before sending.