{
  "dry_run": true,
  "_comment": "This example is fictional and carries dry_run: true, so submitting it as-is previews and files nothing. Replace every borrower field with the real borrower’s data and remove dry_run to file it.",
  "submitted_by": {
    "agent_name": "Example Assistant",
    "operator": "Example Inc",
    "contact_email": "agent@example.com",
    "relationship_to_borrower": "assistant acting for the borrower with their consent",
    "reference_id": "your-own-id-123"
  },
  "acknowledgments": {
    "borrower_consent_obtained": true,
    "consent_timestamp": "2026-09-29T17:04:00Z",
    "borrower_agrees_to_be_contacted": true,
    "sms_consent": false,
    "electronic_records_consent": true,
    "credit_report_authorization": true
  },
  "borrowers": [
    {
      "role": "borrower",
      "first_name": "Jane",
      "last_name": "Smith",
      "ssn": "123-45-6789",
      "date_of_birth": "1985-04-12",
      "citizenship": "us_citizen",
      "marital_status": "married",
      "dependents_count": 2,
      "dependents_ages": [
        7,
        11
      ],
      "cell_phone": "(818) 555-0142",
      "email": "jane@example.com",
      "preferred_language": "english",
      "current_address": {
        "street": "482 N Maple St",
        "city": "Glendale",
        "state": "CA",
        "zip": "91206",
        "years_at_address": 4,
        "months_at_address": 2,
        "housing": "rent",
        "monthly_rent": 2850
      },
      "employment": [
        {
          "employer_name": "Verdugo Design Group",
          "position_or_title": "Operations Manager",
          "start_date": "2019-06-03",
          "is_current": true,
          "years_in_line_of_work": 11,
          "is_self_employed": false,
          "gross_monthly_income": {
            "base": 9400,
            "bonus": 600
          }
        }
      ],
      "other_income": [
        {
          "source": "child_support",
          "monthly_amount": 800
        }
      ],
      "declarations": {
        "will_occupy_as_primary_residence": true,
        "had_ownership_interest_last_three_years": false,
        "borrowing_money_not_disclosed": false,
        "outstanding_judgments": false,
        "declared_bankruptcy_last_seven_years": false
      },
      "military_service": {
        "ever_served": false
      },
      "credit_score_estimate": 742
    }
  ],
  "loan": {
    "purpose": "purchase",
    "loan_amount": 680000,
    "mortgage_type": "conventional",
    "program": "conventional",
    "amortization": "fixed_rate",
    "term_months": 360,
    "purchase_price": 850000,
    "down_payment_amount": 170000,
    "down_payment_source": "savings and a gift from a relative",
    "timeline": "within_60_days"
  },
  "property": {
    "street": "1130 Cumberland Rd",
    "city": "Glendale",
    "state": "CA",
    "zip": "91202",
    "county": "Los Angeles",
    "number_of_units": 1,
    "estimated_value": 850000,
    "occupancy": "primary_residence"
  },
  "assets": {
    "accounts": [
      {
        "account_type": "checking",
        "financial_institution": "Wells Fargo",
        "cash_or_market_value": 42000
      },
      {
        "account_type": "retirement",
        "financial_institution": "Fidelity",
        "cash_or_market_value": 155000
      }
    ]
  },
  "liabilities": {
    "accounts": [
      {
        "liability_type": "installment",
        "creditor_name": "Toyota Financial",
        "monthly_payment": 465,
        "unpaid_balance": 14200
      }
    ]
  },
  "gifts_or_grants": [
    {
      "gift_type": "cash_gift",
      "source": "relative",
      "value": 40000,
      "status": "not_deposited"
    }
  ],
  "notes": "Borrower is in escrow and needs to close within 60 days. Prefers a fixed rate."
}