Based on your selection at this first menu there is a seemingly infinite number of guidelines that are activated behind the scenes and begin to watch what you are doing. These A.I. watchdogs will automatically prompt you with the right menus along the way. These menus aid the program in creating whatever it is you originally set out to do.

If the guidelines determine you are trying to do something that isn't allowed, it will warn you with "GUIDELINE VIOLATION". Then it will describe what you were trying to do wrong, for example; Exceeded 2% max FNMA allowed seller concessions on an Investor property. You will then be asked if you wish to override the guideline.

Each of these loan programs have the following guidelines tied to their selection:

M.I. Coverages
Qualifying Ratios
TIL penalties
L.T.V. Limits
Term Limits
Assumability
Arm Index etc.

and much more

This is A.I.
This is Utopia