Addy AI

Returns the status of documents requested from a borrower on a loan file: which requested documents were received (uploaded) and which are still outstanding. Counts are loan-wide across all requested and received documents, not just the most recent request. For the five most recent tracked requests it also returns the text's delivery status, whether the email was accepted, and when the borrower opened the request in the portal; requests sent before tracking existed are not listed. Email delivery itself is not tracked, only whether the email was accepted.

get_document_request_status

Returns Addy AI's calculated processing-checklist result for one loan topic: income, credit, or assets. Covers questions such as "what is the income on Jane Doe's loan?", "what are the credit findings?", or "what assets or down payment were verified?", including W-2, overtime, bonus, commission, self-employed, rental, retirement, military, union, nurse, firefighter, and other variable-income cases, because the finalized Income/Employment Processing Checklist task is Addy's calculated income source. Finds the loan itself from loanId, borrowerName, or query, so no separate loan lookup is needed. Returns the task result plus the source documents it used, with links in usedDocuments[].directLink or usedDocuments[].downloadURL. Returns data only for loans the signed-in user is authorized to see, and never returns secrets, raw database content, or other borrowers' or organizations' data.

get_financial_task_answer

Lists the documents already on one loan (uploaded or received), with metadata, status, and categories. Takes a loanId. Documents that are still missing are not included.

get_documents

Reads the loan file and returns an underwriting-grade review grounded in Addy sources: MISMO/1003 loan data, finalized processing checklist results, income, credit, and asset findings, AUS findings, conditions, missing documents, and current guideline overlays. Covers what is wrong or risky in the file, whether it is ready to close, and what to do next.

get_loan_underwriting_review

Returns the prequalification intake data model: the borrower and loan fields to collect, which are required or optional, their allowed values, and the intake conversation policy (one focused follow-up at a time, closely related fields batched, co-borrower questions only when there is a co-borrower, each value marked "confirmed" or "estimated"). Prequalification is information gathering only: Addy makes no approval, denial, pre-approval, qualification, guarantee, or other lending decision.

get_prequalification_fields

Returns the full processing checklist for one loan: every task, complete and open, with its status and result. Takes a loanId. The checklist covers Addy's AI processing tasks; it does not track borrower document uploads.

get_processing_checklist

Lists the Addy organizations the signed-in account belongs to, including the current active or default organization. Useful when the user asks which organization they are in, wants to switch organizations, or works for more than one company.

list_organizations

Lists the document request templates available to the organization (built-in packages plus the organization's custom templates), with the documents each package contains, so the loan officer can browse and choose a package.

list_document_templates

Lists the loan types available in this organization (the same processing-checklist template catalog as Addy's manual "Create" form): built-in system types plus any custom types the organization has added, each with its canonical loanType (checklist template ID), including less common programs (FHA streamline, VA IRRRL, DSCR, bank statement, Canada products, or organization custom types).

list_loan_types

Returns a bounded overview of the loans in the user's pipeline: borrower names, addresses, stages, and page metadata, one page at a time. The widget's Load next page button pages on its own; pass the returned pagination.nextCursor, exactly as returned, only when the user asks for more loans in chat. For large portfolios a broad request first returns a read-only review with the estimated number of accessible loans and suggested refinements, and confirmed: true loads the first page. Small portfolios return the first page right away. organizationId and stage narrow the scope. When the account has several organizations and none is chosen yet, the first call asks which organization to use instead of picking one.

list_pipeline

Lists the documents still missing across the user's loans, by name and status, optionally filtered by borrower name, for questions like "what documents are missing?" or "what does Jane still need to send?". It lists documents only; it does not explain why each one is needed.

list_missing_documents

Lists only the open processing conditions and tasks (not the full checklist), across the user's loans or filtered by borrower name, for questions like "what conditions are still open on Jane's loan?" or "what is outstanding?". No loanId needed. Returns a compact list of open items.

list_pending_tasks

Recommends the right document request package for a loan scenario, so the loan officer does not have to list every document by hand. Takes the loan scenario (loanPurpose, occupancy, employmentStatus, propertyType, loanType) and/or a loanId to fill the scenario from the loan file. Returns ranked templates (built-in packages plus the organization's custom templates) with the documents each one includes and why it matches. The loan officer can add or remove documents before any request is sent.

recommend_document_templates

Sends a document request to a borrower on a loan file by email, text message (SMS), or both. A call without confirmed sends nothing: it returns a review card showing the borrower, recipient, delivery channel (and the mobile number for texts), loan file, documents, and message, and the loan officer sends from that card. When includeUploadLink is omitted, the card also asks whether to include Addy's secure upload link. A call with confirmed: true sends only a request the loan officer was already shown on a review card; otherwise it returns the review card again. Sent requests are tracked on the loan checklist and delivered with the organization's Addy template unless customMessage is given. documentNames can be any document names, including those from the organization's document templates.

request_documents

Finds loans by borrower name, property address, or loan number. Returns matching loans with borrower names, property addresses, loan numbers when available, organization context, links, and the loan ID that the other loan tools take. Searches the active organization when one is selected, otherwise every organization the signed-in user can access, or only the organizationId given.

search

Searches Addy-managed agency, investor, and loan-program guideline overlays: Fannie Mae, Freddie Mac, FHA, VA, USDA, jumbo, DSCR, and investor overlays, covering eligibility, documentation, income, assets, credit, AUS, and underwriting. With a loanId it searches that loan's current program by default; scope "all" searches every program, for broad inventory or comparisons. Results include sourceDocuments with the exact document name and link when available. When sourceDocuments is empty, the result comes from the program guideline context only, not from a specific PDF.

search_guidelines

Sets the active Addy organization for this connection. With organizationName (as the user said it) or organizationId and without confirmed, it returns a review card for switching to that organization and changes nothing. With confirmed: true for the same organization, after the user approved that card, it switches. Later calls use this organization unless an organizationId is passed.

select_organization

Shows a picker of Addy tasks the user can try next: review the loan pipeline, find open conditions or missing documents, review documents already received, review a loan for underwriting, or prepare a borrower document request, with an optional borrower name. The task the user picks is sent from the picker as their next chat message, so this tool reads no loan data and changes nothing. Triggers: "what can Addy do?", "what can I try?", "give me a few tasks to try", "what should I do next in Addy?". When the user already named a borrower, borrowerName pre-fills the picker.

suggest_addy_tasks

Produces a structured prequalification review summary from the collected answers. Each call takes the full set of answers, including corrections, so the summary is replaced cleanly; alternatively the earlier answers go in previousAnswers and only new or changed fields in answers. Each answer is a plain value (treated as confirmed) or an object { value, confidence: "confirmed" | "estimated", note }. Five fields are required to create records: borrower first name, last name, email, loan type, and requested loan amount. The summary separates confirmed and estimated values, lists missing required fields and documents to collect, and says whether the data is ready for record creation. loanType is an exact canonical loan type from the organization's loan types, or a generic agency (conventional, fha, va, usda, jumbo) with a matching loanPurpose; a generic agency without a valid, supported loanPurpose is not ready even when all five required fields are present. An ambiguous or unsupported loan type is reported as loanTypeIssue with readyForRecordCreation=false, separately from the missing-field count. The summary is for the loan officer to review before any Addy records are created, and contains no approval or lending decision.

summarize_prequalification

Switches this connection to a different Addy AI user account. Without confirmed it shows the currently connected account on a review card and changes nothing. With confirmed: true, after the user approved that card, it ends the current Addy session so the user can sign in again as the account they want. For when the user is in the wrong Addy account, wants to log in as someone else, or needs to reconnect.

switch_addy_account