Run Underwriter CLI

Purpose

Execute and debug the mortgage underwriter tool for document analysis.

Prerequisites

1. Set API Key

export GEMINI_API_KEY="your-gemini-api-key"

2. Build the Binary

make build

3. Fetch Guidelines (if needed)

make fetch-guidelines

Usage

Analyze a Directory of Documents

./bin/underwriter -docs /path/to/documents

Analyze Specific Files

./bin/underwriter -files w2.pdf,paystub.pdf,bank_statement.pdf

JSON Output (for programmatic use)

./bin/underwriter -docs /path/to/documents -json

Custom Guidelines Path

./bin/underwriter -docs /path/to/documents -guidelines /custom/path

All CLI Flags

-docs string       Directory containing documents to analyze
-files string      Comma-separated list of document files
-guidelines string Path to Fannie Mae guidelines (default "configs/guidelines")
-app-id string     Application ID (default "test-001")
-json              Output results as JSON

Test with Sample Documents

# Generate test documents first (if needed)
cd test_loan_files && python3 generate_loan_docs.py && cd ..

# Run on test loan file
./bin/underwriter -docs test_loan_files/loan_file_1_LN-2024-001847

Understanding Output

Analysis Result Structure

• status: approved | conditional | denied | needs_review | incomplete
• confidence: 0.0 to 1.0 score
• findings: Observations with category, description, evidence, document ID
• risks: Identified risks with severity (low/medium/high/critical) and mitigation
• missing_documents: Required documents not provided
• summary: Brief description of analysis

Status Meanings

| Status | Meaning | |--------|---------| | approved | Meets all guidelines | | conditional | Approved with conditions | | denied | Does not meet guidelines | | needs_review | Manual review required | | incomplete | Missing required documents |

Troubleshooting

"GEMINI_API_KEY not set"

export GEMINI_API_KEY="your-key"

"No documents found"

• Check file paths exist
• Supported extensions: .pdf, .png, .jpg, .jpeg

Document Type Misdetection

Files are typed by filename patterns:

• *w2* or *w-2* -> W2
• *paystub* or *pay* -> Paystub
• *bank* -> Bank Statement
• *tax* or *1040* -> Tax Return
• *1099* -> 1099

Guidelines Not Loading

make fetch-guidelines
ls configs/guidelines/

Related Files

• cmd/underwriter/main.go - CLI implementation
• internal/agent/income/income.go - Income agent logic
• internal/model/analysis.go - Result structures