Options
The changes that clear every check, ranked by the borrower’s extra cash, one change for several failures, copied for EASE and run until the AUS approves.
Updated 2026-09-26
Options
An option is a change list: the fields to change in EASE, each with its value now and the value it takes. The page works out every option the rules allow for the loan as it stands, drops any that another beats on every count, and ranks the rest.
How they are ranked
The least extra cash from the borrower at closing first, then the fewest changes, then your shop's own playbook: the order your restructure specialist tries them in. As loans go through, the outcomes of your own AUS runs reorder options within that playbook by what actually worked. The first few stand on the screen; the rest wait behind one row.
One change for several failures
Where several limits fail at once, the page searches every combination of the loan's own levers: the quoted terms and rates, paying off a debt, an account the application does not list, the other AUS. It solves the loan amount for each combination, so one change clears every failure. The sample loan Two problems, one change shows it: a second home over both of DU's limits, DTI and LTV, cleared by lowering the loan and taking the 30-year quote.
The families
After an AUS run, the options also come from nine families of change, each worked out from what the AUS said.
| Family | What it computes |
|---|---|
| Lower loan amount | The smallest reduction that clears the stated LTV, CLTV or payment threshold |
| Change product | Income, ratios, limits and reserves recomputed under the other rulebook |
| Run other AUS | The rule differences between DU and LP for this file |
| Lower compensation | The lawful levers for a points-and-fees failure, under Regulation Z |
| Add or document assets | The shortfall against the stated reserves or funds to close |
| Change term | Payment, ratios and every rule the term touches, recomputed |
| Pay down or pay off liability | The liability sets whose exclusion clears the ratio |
| Add or remove borrower | Income, liabilities and the credit facts that change |
| Switch fixed or adjustable | The qualifying-rate rules that apply after the switch |
The compensation family
Regulation Z comment 36(d)(1)-5 keeps a broker from reducing its compensation to pass the points-and-fees test, so the family shows that rule quoted, unless a documented unforeseen settlement-cost increase fits comment 36(d)(1)-7. The lawful levers for that failure are computed in its place, each with its citation: a lender credit or lender-side pricing, bona fide discount points excludable under 1026.32(b)(1)(i)(E) and (F), and a loan-amount change.
Reading an option
The headline says the change in one line, and what it does under it: the DTI and LTV after it and the cash it asks of the borrower. The option you are looking at opens in its row: each field to type in EASE, the value now struck through, the new value beside it. The row shows the extra cash at closing, the payment, DTI and LTV. A term that can take several lengths keeps them in one row, with a picker. An option that meets every published rule and leaves the rest to the AUS says so: "LP decides if it passes."
Copy for EASE
Copy for EASE puts the option on the clipboard, one line per field with its old and new value, then what EASE should show once they are typed, then which AUS to run, and records it as your choice. Enter the fields in EASE, run DU or LP, and drop the findings back on the page. Until the AUS answers, Choose another option changes the choice.
The chosen option is also kept as a MISMO 3.4 file beside its result PDF, for a ChatUWM run or a new loan; Arive's import creates a new loan, so it never updates the one in Arive.
The page continues from each returned report until the AUS approves the loan or no legitimate change is left; then the loan ends, and its result PDFs stay under Loan file.