Module 04 · Pricing & Decisioning
Price it, prove it, then submit
A native PPE matches every loan against live investor guidelines while the AUS simulation layer runs agency structural criteria before a single submission is spent.
Scenario inputs
Repricing is instant — no page reloads
Best execution
5.875%
Pennymac · price 101.240
Investor eligibility matrix
Live guideline match with LLPA overlay
| Investor | Product | Rate | Price | LLPA | Status |
|---|---|---|---|---|---|
| Pennymac | FHA 30yr Fixed | 5.875% | 101.240 | -0.500 | Eligible |
| Fannie Mae · HB | Conv 30yr Fixed | 6.125% | 100.482 | -0.375 | Eligible |
| Freddie Mac LPA | Conv 30yr Fixed | 6.250% | 100.911 | -0.250 | Eligible |
| UWM Correspondent | Jumbo 7/6 ARM | 6.375% | 99.875 | -0.125 | Eligible |
| Carrington | DSCR Investor | 7.250% | 99.125 | -0.750 | Eligible |
| Angel Oak | Non-QM Bank Stmt | 7.625% | 98.500 | -1.250 | Ineligible |
Vendor order desk
Runs against your connected vendor accounts. Nothing is billed until a production credential is sealed.
Sign in as lender staff to order vendor services.
How ordering works
Same code path in demo and production
- · Seal your vendor key in Integrations → Credential vault (AES-GCM, never returned to the browser).
- · Choose Sandbox first — NexusMortgageOS calls the vendor's test environment with your key.
- · Flip to Production when your vendor contract is live; nothing else in the workflow changes.
- · Every order is written to the immutable audit ledger with vendor, mode, latency and outcome.
- · With no credential connected, orders return clearly-labelled simulated output — never a real finding.
AUS pre-check — DU / LPA structural criteria
Run before submission, every time
Illustrative data. This structural pre-check runs on sample loan attributes. These figures are sample data for demonstration — connect the vendor in Integrations → Credential vault to populate this from your live account.
- DTI within 45% (or 50% w/ reserves)31.4% · reserves 6.2 mo
- LTV / CLTV within matrix80.0% / 80.0%
- Representative FICO ≥ 620764 mid
- Income documentation sufficiency2yr W2 + VOE on file
- Large deposits sourcedPCC-04 open · $18,400
- Appraisal value support4.1% variance · recon ordered
- Property type eligibilitySFR detached
Sample finding
Approve / Eligible
Conditional on 2 outstanding structural items. Submission will be auto-released once cleared.
· Findings cached and diffed against every file change
· Investor overlays applied on top of agency base
· Re-run cost avoided: 41 submissions this month