The Guide Changed on Tuesday and You Have 4,000 Loans in Flight: Version-Controlling the Rules an AI Mortgage Agent Reasons Against
Fannie and Freddie update their selling guides constantly, often with several effective dates inside a single announcement, and a loan in your pipeline is governed by the rule that was in force when its application was dated, not the rule in force today. Most AI mortgage tools hardcode the rules and silently drift out of date. A technical account of how we version-control the rulebook, apply the right rule by effective date, and re-plan in-flight loans when the guide moves underneath them.