October Paystub
$7,000 / mo
Fixed base pay of $3,500 twice monthly.
Interactive AI Judgment Challenge · 01
The Raise That Hadn't Started.
The AI sounds certain. The documents disagree. Can you catch the reasoning defect before it becomes a mortgage decision?
Fully synthetic caseFannie Mae · PurchaseAbout 2 minutes
01
Review the evidence
One file, three clues Electronic VOE
$8,000 / mo
Lists annual salary of $96,000.
HR Notice — Raise pending final approval
A higher fixed-base salary is proposed to begin November 15, 2026. The fictional purchase loan's note date is October 30, 2026. HR has not confirmed final approval.
AI Underwriting Recommendation
Use $8,000 monthly qualifying income. The electronic VOE verifies it. No further review is needed.
02
Make the call
Choose before revealingWhat's the most defensible next step?
ARIA VERIFIED · ANSWER B
Evidence before certainty.
- The math checks out. $96,000 divided by 12 equals $8,000.
- The approval doesn't. The current paystub reflects $7,000 monthly and HR says the increase is still pending.
- The required move: Reconcile the records and obtain employer-direct documentation establishing the raise's approved terms, effective date, and eligibility before using it.
Nuance matters: Future fixed-base pay raises are not automatically prohibited under Fannie Mae's Selling Guide. Certain increases may count for a purchase or limited cash-out refinance when all specified requirements are satisfied, including the 60-day timing, employer verification, and other eligibility criteria.
What skill did you just practice?
Evidence-boundary evaluation. An AI can perform flawless arithmetic and still recommend an unsupported underwriting decision. The evaluator's job is to distinguish what the documents prove from what the AI merely assumes.
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