kimmymae

Two products. One mission: faster HUD decisions.

KimmyMae offers:

1. KimmyMae AI

HUD Readiness Suite

Tools that evaluate underwriting the way HUD will.

2. Mudzie

Real-Time Rate Intelligence

Tools that show how the market will affect sizing and DSCR during HUD's review.

KimmyMae AI: Your MAP-compliance engine

KimmyMae AI analyzes your package against:

  • MAP Guide
  • HUD underwriting principles
  • Mortgagee Letters
  • Common screen-out triggers
  • Real-world HUD reviewer logic

Lenders use KimmyMae AI to:

  • Submit cleaner applications
  • Catch issues before HUD does
  • Respond to deficiencies in minutes, not days
  • Communicate clearly with HUD closers and counsel

All within a private, per-lender AI tenant.

KimmyMae AI Modules

MODULE 1

Submission Readiness

Checks Section 1, exhibits, and underwriting data against MAP compliance.

Outputs:

Pass/fail per exhibit with MAP citations
Missing/expired items
Risk flags
Desk-review summary
HUD-Readiness Score
MODULE 2

Concept Package Triage

Helps Production decide if a concept is meeting-ready.

Outputs:

Summaries & metrics
Waiver detection
Desk-review vs. meeting with rationale
Directed-mailbox email draft
MODULE 3

Deficiency Response Builder

Converts HUD's redlines into polished responses.

Outputs:

Drafts numbered responses
Suggests narrative revisions
Generates exhibit checklist
Inserts MAP citations supporting each cure
MODULE 4

Closing Escalation Assistant

Drafts concise, respectful follow-ups to HUD and OGC that maintain relationships.

Outputs:

Professional follow-up drafts
Outstanding items recap
Closing checklist anchoring

Mudzie: The market companion for HUD underwriters

Mudzie helps lenders size deals correctly while HUD is reviewing the application.

Features

  • Predict DSCR and loan proceeds under rate volatility
  • Track live Treasury and swap rates
  • Monitor GNMA spreads
  • Estimate all-in coupons
  • Give borrowers realistic expectations
  • Prepare committees with clean, visual data

Used during:

  • Pre-app sizing
  • Full app preparation
  • HUD review
  • Pre-commitment financial discussions

Private, encrypted, and built for regulated lenders

Isolated vector database per lender
No pooled data
No public model training
All deal data stays with your company
Built using fintech & healthcare privacy standards

Schedule a product walkthrough

See how KimmyMae AI and Mudzie can transform your HUD underwriting workflow.

Schedule a Product Walkthrough