SERCAP Loan Agent

1 · The loan packet SYNTHETIC SAMPLE

Individual Septic Loan WS-2026-0412 — “Dorothy Callahan”, Crewe VA. Seventeen documents — the original file plus every item on SERCAP's 9/3 requirements list (pre-application, civil rights, USDA, mortgage statement, certification & confidentiality, release, household budget), with homeowners insurance removed per the same list. This is the file an underwriter reads and re-keys by hand today.

2 · Run the agent

Extracts every credit-memo field, builds the checklist, and runs SERCAP’s own risk rules. Nothing is approved or denied — a human underwriter always decides.

3 · Risk flags

4 · Property eligibility NEW — 9/3 requirements

Sample map for demonstration — the build links the live USDA property-eligibility map, as in Lenderfit.

Program income guidelines (sample — VA / Nottoway County)

Household size	Income limit	Applicant
1	$52,750	—
2	$60,300
3	$67,850
4	$75,350

5 · Credit memo fields — scored against ground truth

6 · Document checklist — verified by the agent

SERCAP's Loan Fund Checklist (rev 7/28/26 layout, incl. the “Line in Spreadsheet” mapping). Agent-verified items are initialed “AI”; staff and committee rows stay blank.

7 · Generate the credit memo

The extracted fields above, dropped into SERCAP's own CM 7 credit-memo layout — the document underwriting hand-keys today. Fees (3% application + 5% origination + $350 closing), monthly payment, and DTI are computed automatically; the risk flags land in the NOTES block for the committee.

How this was built — and how we work

Everything on this page is SERCAP's own workflow, visualized and real: your Loan Fund Checklist (rev 7/28/26, with your spreadsheet mapping), your CM 7 credit memo, your risk rules — turned into working software within days of receiving the documents, and refined the same day new ones arrived.

That's the method for the full build: short sprints against your specifications, working software you can click every week — never months of silence followed by a big reveal. You react, we adjust, and the system becomes yours through co-creation. We invite outside eyes, too: this demo scores 100/100 on automated accessibility audits (WCAG 2.1 AA practices), and we recommend independent UX and accessibility validation — plus testing with real applicants — as part of the build.