{
  "openapi": "3.1.0",
  "info": {
    "title": "Paramount Loan Services — Loan Application API",
    "summary": "File a mortgage loan application (Form 1003) on a borrower’s behalf.",
    "description": "Submit a completed Uniform Residential Loan Application (Fannie Mae Form 1003 / URLA) to Paramount Loan Services, an independent mortgage broker in Glendale, California (NMLS #236355) serving borrowers across the state since 2006. No API key. A licensed loan officer reads every submission and contacts the borrower directly.\n\n## What this API is for\n\nAn AI agent helping someone buy, refinance or borrow against property can file their loan application here in \none request. Read the schema, fill what the borrower told you, POST it. You get an application id back and a \nlicensed loan officer takes it from there.\n\n## Rules\n\n- `acknowledgments.borrower_consent_obtained` must be `true`. Only submit for a borrower who knows and agreed.\n- Never invent borrower data. Leave a field out rather than guessing it.\n- This API quotes no rates, returns no approval odds and makes no credit decision.\n- A submission is not a loan offer, a pre-approval or a credit pull.\n\n## Also available over MCP\n\nAgents that speak the Model Context Protocol can connect to `https://paramountls.com/mcp` instead (streamable HTTP, no key) \nand call the `submit_loan_application` tool.",
    "version": "1.0.0",
    "contact": {
      "name": "Paramount Loan Services",
      "url": "https://paramountls.com/contact.html",
      "email": "tom@paramountls.com"
    },
    "license": {
      "name": "Free to use",
      "url": "https://paramountls.com/terms-conditions.html"
    },
    "termsOfService": "https://paramountls.com/terms-conditions.html"
  },
  "servers": [
    {
      "url": "https://paramountls.com/api/v1",
      "description": "Production"
    }
  ],
  "externalDocs": {
    "description": "Human-readable docs",
    "url": "https://paramountls.com/api.html"
  },
  "security": [],
  "tags": [
    {
      "name": "Applications",
      "description": "Filing a 1003."
    },
    {
      "name": "Reference",
      "description": "Schema, programs and company details."
    }
  ],
  "paths": {
    "/loan-applications": {
      "post": {
        "tags": [
          "Applications"
        ],
        "operationId": "submitLoanApplication",
        "summary": "Submit a loan application (Form 1003)",
        "description": "File a complete or partial URLA. Required: who is submitting, the borrower’s consent, one borrower with a name and a way to reach them, the loan purpose and amount, and a property address (or the flag saying the borrower has not chosen a property yet). Everything else is optional and speeds the file up.",
        "parameters": [
          {
            "name": "Idempotency-Key",
            "in": "header",
            "required": false,
            "description": "Your own key for this submission. A repeat within the same server instance returns the first result instead of filing a second application. Best effort.",
            "schema": {
              "type": "string",
              "maxLength": 128
            }
          }
        ],
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": {
                "$schema": "https://json-schema.org/draft/2020-12/schema",
                "$id": "https://paramountls.com/api/v1/schema",
                "title": "Uniform Residential Loan Application (Form 1003 / URLA)",
                "description": "Request body for POST https://paramountls.com/api/v1/loan-applications. Modeled on Fannie Mae Form 1003 (Freddie Mac Form 65), the standard US residential loan application. Paramount Loan Services is a licensed California mortgage broker, NMLS #236355.",
                "type": "object",
                "properties": {
                  "submitted_by": {
                    "type": "object",
                    "properties": {
                      "agent_name": {
                        "type": "string",
                        "maxLength": 120,
                        "description": "Name of the AI agent or application."
                      },
                      "operator": {
                        "type": "string",
                        "maxLength": 120,
                        "description": "Company or person operating the agent."
                      },
                      "contact_email": {
                        "type": "string",
                        "format": "email",
                        "description": "Where Paramount can reach the operator about this submission."
                      },
                      "relationship_to_borrower": {
                        "type": "string",
                        "maxLength": 200,
                        "description": "e.g. \"assistant acting for the borrower\"."
                      },
                      "reference_id": {
                        "type": "string",
                        "maxLength": 80,
                        "description": "Your own id for this application, echoed back in the response."
                      }
                    },
                    "additionalProperties": false,
                    "required": [
                      "agent_name"
                    ],
                    "description": "Identifies the agent or software sending the application."
                  },
                  "acknowledgments": {
                    "type": "object",
                    "properties": {
                      "borrower_consent_obtained": {
                        "type": "boolean",
                        "description": "The borrower knows this application is being submitted and agreed to it. Required."
                      },
                      "consent_timestamp": {
                        "type": "string",
                        "maxLength": 40,
                        "description": "ISO 8601 time the borrower gave consent."
                      },
                      "borrower_agrees_to_be_contacted": {
                        "type": "boolean",
                        "description": "Consent to a phone call or email from a loan officer."
                      },
                      "sms_consent": {
                        "type": "boolean",
                        "description": "Separate express written consent for text messages (TCPA / 10DLC)."
                      },
                      "electronic_records_consent": {
                        "type": "boolean",
                        "description": "Consent to receive disclosures electronically (E-SIGN)."
                      },
                      "credit_report_authorization": {
                        "type": "boolean",
                        "description": "Authorization to obtain a credit report."
                      }
                    },
                    "additionalProperties": false,
                    "required": [
                      "borrower_consent_obtained"
                    ]
                  },
                  "borrowers": {
                    "type": "array",
                    "items": {
                      "type": "object",
                      "properties": {
                        "role": {
                          "type": "string",
                          "enum": [
                            "borrower",
                            "co_borrower"
                          ]
                        },
                        "first_name": {
                          "type": "string",
                          "maxLength": 80
                        },
                        "middle_name": {
                          "type": "string",
                          "maxLength": 80
                        },
                        "last_name": {
                          "type": "string",
                          "maxLength": 80
                        },
                        "suffix": {
                          "type": "string",
                          "maxLength": 20
                        },
                        "alternate_names": {
                          "type": "array",
                          "items": {
                            "type": "string"
                          },
                          "maxItems": 5,
                          "description": "Any other name the borrower has used to receive credit."
                        },
                        "ssn": {
                          "type": "string",
                          "pattern": "^\\d{3}-?\\d{2}-?\\d{4}$",
                          "description": "Social Security Number. Send only with the borrower’s knowledge and consent."
                        },
                        "itin": {
                          "type": "string",
                          "pattern": "^9\\d{2}-?\\d{2}-?\\d{4}$",
                          "description": "Individual Taxpayer Identification Number, for ITIN loan programs."
                        },
                        "date_of_birth": {
                          "type": "string",
                          "format": "date",
                          "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
                        },
                        "citizenship": {
                          "type": "string",
                          "enum": [
                            "us_citizen",
                            "permanent_resident_alien",
                            "non_permanent_resident_alien"
                          ]
                        },
                        "marital_status": {
                          "type": "string",
                          "enum": [
                            "married",
                            "separated",
                            "unmarried"
                          ]
                        },
                        "dependents_count": {
                          "type": "number",
                          "minimum": 0,
                          "maximum": 30
                        },
                        "dependents_ages": {
                          "type": "array",
                          "items": {
                            "type": "number"
                          },
                          "maxItems": 30
                        },
                        "home_phone": {
                          "type": "string"
                        },
                        "cell_phone": {
                          "type": "string"
                        },
                        "work_phone": {
                          "type": "string"
                        },
                        "work_phone_extension": {
                          "type": "string",
                          "maxLength": 10
                        },
                        "email": {
                          "type": "string",
                          "format": "email"
                        },
                        "preferred_language": {
                          "type": "string",
                          "enum": [
                            "english",
                            "spanish",
                            "chinese",
                            "korean",
                            "tagalog",
                            "vietnamese",
                            "other",
                            "no_preference"
                          ],
                          "description": "Paramount serves English and Spanish in-house."
                        },
                        "current_address": {
                          "type": "object",
                          "properties": {
                            "street": {
                              "type": "string",
                              "maxLength": 200,
                              "description": "Street address including house number."
                            },
                            "unit": {
                              "type": "string",
                              "maxLength": 40
                            },
                            "city": {
                              "type": "string",
                              "maxLength": 80
                            },
                            "state": {
                              "type": "string",
                              "pattern": "^[A-Za-z]{2}$",
                              "description": "Two-letter US state or territory code, e.g. CA."
                            },
                            "zip": {
                              "type": "string",
                              "pattern": "^\\d{5}(-?\\d{4})?$",
                              "description": "5-digit or ZIP+4."
                            },
                            "country": {
                              "type": "string",
                              "maxLength": 60,
                              "description": "Defaults to US."
                            },
                            "years_at_address": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 100
                            },
                            "months_at_address": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 11
                            },
                            "housing": {
                              "type": "string",
                              "enum": [
                                "no_primary_housing_expense",
                                "own",
                                "rent"
                              ]
                            },
                            "monthly_rent": {
                              "type": "number",
                              "description": "Monthly rent paid, when housing is rent."
                            }
                          },
                          "additionalProperties": false
                        },
                        "mailing_address": {
                          "type": "object",
                          "properties": {
                            "street": {
                              "type": "string",
                              "maxLength": 200,
                              "description": "Street address including house number."
                            },
                            "unit": {
                              "type": "string",
                              "maxLength": 40
                            },
                            "city": {
                              "type": "string",
                              "maxLength": 80
                            },
                            "state": {
                              "type": "string",
                              "pattern": "^[A-Za-z]{2}$",
                              "description": "Two-letter US state or territory code, e.g. CA."
                            },
                            "zip": {
                              "type": "string",
                              "pattern": "^\\d{5}(-?\\d{4})?$",
                              "description": "5-digit or ZIP+4."
                            },
                            "country": {
                              "type": "string",
                              "maxLength": 60,
                              "description": "Defaults to US."
                            }
                          },
                          "additionalProperties": false,
                          "description": "Only when different from the current address."
                        },
                        "former_address": {
                          "type": "object",
                          "properties": {
                            "street": {
                              "type": "string",
                              "maxLength": 200,
                              "description": "Street address including house number."
                            },
                            "unit": {
                              "type": "string",
                              "maxLength": 40
                            },
                            "city": {
                              "type": "string",
                              "maxLength": 80
                            },
                            "state": {
                              "type": "string",
                              "pattern": "^[A-Za-z]{2}$",
                              "description": "Two-letter US state or territory code, e.g. CA."
                            },
                            "zip": {
                              "type": "string",
                              "pattern": "^\\d{5}(-?\\d{4})?$",
                              "description": "5-digit or ZIP+4."
                            },
                            "country": {
                              "type": "string",
                              "maxLength": 60,
                              "description": "Defaults to US."
                            },
                            "years_at_address": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 100
                            },
                            "months_at_address": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 11
                            },
                            "housing": {
                              "type": "string",
                              "enum": [
                                "no_primary_housing_expense",
                                "own",
                                "rent"
                              ]
                            },
                            "monthly_rent": {
                              "type": "number",
                              "description": "Monthly rent paid, when housing is rent."
                            }
                          },
                          "additionalProperties": false,
                          "description": "Required by the lender when under two years at the current address."
                        },
                        "employment": {
                          "type": "array",
                          "items": {
                            "type": "object",
                            "properties": {
                              "employer_name": {
                                "type": "string",
                                "maxLength": 150
                              },
                              "employer_phone": {
                                "type": "string"
                              },
                              "employer_address": {
                                "type": "object",
                                "properties": {
                                  "street": {
                                    "type": "string",
                                    "maxLength": 200,
                                    "description": "Street address including house number."
                                  },
                                  "unit": {
                                    "type": "string",
                                    "maxLength": 40
                                  },
                                  "city": {
                                    "type": "string",
                                    "maxLength": 80
                                  },
                                  "state": {
                                    "type": "string",
                                    "pattern": "^[A-Za-z]{2}$",
                                    "description": "Two-letter US state or territory code, e.g. CA."
                                  },
                                  "zip": {
                                    "type": "string",
                                    "pattern": "^\\d{5}(-?\\d{4})?$",
                                    "description": "5-digit or ZIP+4."
                                  },
                                  "country": {
                                    "type": "string",
                                    "maxLength": 60,
                                    "description": "Defaults to US."
                                  }
                                },
                                "additionalProperties": false
                              },
                              "position_or_title": {
                                "type": "string",
                                "maxLength": 150
                              },
                              "start_date": {
                                "type": "string",
                                "format": "date",
                                "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
                              },
                              "end_date": {
                                "type": "string",
                                "format": "date",
                                "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
                                "description": "Previous employment only."
                              },
                              "is_current": {
                                "type": "boolean",
                                "description": "True for the job held today."
                              },
                              "years_in_line_of_work": {
                                "type": "number",
                                "minimum": 0,
                                "maximum": 80
                              },
                              "employed_by_family_or_party_to_transaction": {
                                "type": "boolean"
                              },
                              "is_self_employed": {
                                "type": "boolean"
                              },
                              "ownership_share": {
                                "type": "string",
                                "enum": [
                                  "less_than_25_percent",
                                  "25_percent_or_more"
                                ],
                                "description": "Self-employed borrowers only."
                              },
                              "monthly_income_or_loss": {
                                "type": "number",
                                "description": "Self-employed net monthly income or loss; may be negative."
                              },
                              "gross_monthly_income": {
                                "type": "object",
                                "properties": {
                                  "base": {
                                    "type": "number",
                                    "description": "US dollars."
                                  },
                                  "overtime": {
                                    "type": "number",
                                    "description": "US dollars."
                                  },
                                  "bonus": {
                                    "type": "number",
                                    "description": "US dollars."
                                  },
                                  "commission": {
                                    "type": "number",
                                    "description": "US dollars."
                                  },
                                  "military_entitlements": {
                                    "type": "number",
                                    "description": "US dollars."
                                  },
                                  "other": {
                                    "type": "number",
                                    "description": "US dollars."
                                  }
                                },
                                "additionalProperties": false
                              }
                            },
                            "additionalProperties": false
                          },
                          "maxItems": 10
                        },
                        "other_income": {
                          "type": "array",
                          "items": {
                            "type": "object",
                            "properties": {
                              "source": {
                                "type": "string",
                                "enum": [
                                  "alimony",
                                  "automobile_allowance",
                                  "boarder_income",
                                  "capital_gains",
                                  "child_support",
                                  "disability",
                                  "foster_care",
                                  "housing_or_parsonage",
                                  "interest_and_dividends",
                                  "mortgage_credit_certificate",
                                  "mortgage_differential_payments",
                                  "notes_receivable",
                                  "public_assistance",
                                  "retirement",
                                  "royalty_payments",
                                  "separate_maintenance",
                                  "social_security",
                                  "trust",
                                  "unemployment_benefits",
                                  "va_compensation",
                                  "other"
                                ]
                              },
                              "monthly_amount": {
                                "type": "number",
                                "description": "US dollars."
                              },
                              "description": {
                                "type": "string",
                                "maxLength": 200
                              }
                            },
                            "additionalProperties": false,
                            "required": [
                              "source",
                              "monthly_amount"
                            ]
                          },
                          "maxItems": 15
                        },
                        "declarations": {
                          "type": "object",
                          "properties": {
                            "will_occupy_as_primary_residence": {
                              "type": "boolean"
                            },
                            "had_ownership_interest_last_three_years": {
                              "type": "boolean"
                            },
                            "prior_property_type": {
                              "type": "string",
                              "enum": [
                                "primary_residence",
                                "second_home",
                                "investment_property"
                              ]
                            },
                            "prior_property_title_held": {
                              "type": "string",
                              "enum": [
                                "sole_by_self",
                                "jointly_with_spouse",
                                "jointly_with_other"
                              ]
                            },
                            "family_or_business_relationship_with_seller": {
                              "type": "boolean"
                            },
                            "borrowing_money_not_disclosed": {
                              "type": "boolean"
                            },
                            "borrowing_money_amount": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "applying_for_other_mortgage_on_other_property": {
                              "type": "boolean"
                            },
                            "applying_for_new_credit_before_closing": {
                              "type": "boolean"
                            },
                            "property_subject_to_lien_with_priority": {
                              "type": "boolean"
                            },
                            "co_signer_or_guarantor_on_undisclosed_debt": {
                              "type": "boolean"
                            },
                            "outstanding_judgments": {
                              "type": "boolean"
                            },
                            "delinquent_or_in_default_on_federal_debt": {
                              "type": "boolean"
                            },
                            "party_to_lawsuit_with_financial_liability": {
                              "type": "boolean"
                            },
                            "conveyed_title_in_lieu_of_foreclosure_last_seven_years": {
                              "type": "boolean"
                            },
                            "pre_foreclosure_sale_or_short_sale_last_seven_years": {
                              "type": "boolean"
                            },
                            "property_foreclosed_last_seven_years": {
                              "type": "boolean"
                            },
                            "declared_bankruptcy_last_seven_years": {
                              "type": "boolean"
                            },
                            "bankruptcy_types": {
                              "type": "array",
                              "items": {
                                "type": "string",
                                "enum": [
                                  "chapter_7",
                                  "chapter_11",
                                  "chapter_12",
                                  "chapter_13"
                                ]
                              },
                              "maxItems": 4
                            },
                            "explanations": {
                              "type": "string",
                              "maxLength": 4000,
                              "description": "Free-text detail for any declaration answered yes."
                            }
                          },
                          "additionalProperties": false
                        },
                        "military_service": {
                          "type": "object",
                          "properties": {
                            "ever_served": {
                              "type": "boolean"
                            },
                            "currently_serving_active_duty": {
                              "type": "boolean"
                            },
                            "projected_expiration_of_service": {
                              "type": "string",
                              "format": "date",
                              "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
                            },
                            "currently_retired_discharged_or_separated": {
                              "type": "boolean"
                            },
                            "non_activated_reserve_or_national_guard": {
                              "type": "boolean"
                            },
                            "surviving_spouse": {
                              "type": "boolean"
                            }
                          },
                          "additionalProperties": false
                        },
                        "demographic_information": {
                          "type": "object",
                          "properties": {
                            "ethnicity": {
                              "type": "array",
                              "items": {
                                "type": "string",
                                "enum": [
                                  "hispanic_or_latino",
                                  "not_hispanic_or_latino",
                                  "do_not_wish_to_provide"
                                ]
                              },
                              "maxItems": 3
                            },
                            "ethnicity_detail": {
                              "type": "string",
                              "maxLength": 120,
                              "description": "Mexican, Puerto Rican, Cuban, or other origin."
                            },
                            "sex": {
                              "type": "string",
                              "enum": [
                                "female",
                                "male",
                                "do_not_wish_to_provide"
                              ]
                            },
                            "race": {
                              "type": "array",
                              "items": {
                                "type": "string",
                                "enum": [
                                  "american_indian_or_alaska_native",
                                  "asian",
                                  "black_or_african_american",
                                  "native_hawaiian_or_other_pacific_islander",
                                  "white",
                                  "do_not_wish_to_provide"
                                ]
                              },
                              "maxItems": 6
                            },
                            "race_detail": {
                              "type": "string",
                              "maxLength": 200
                            },
                            "collected_by": {
                              "type": "string",
                              "enum": [
                                "face_to_face",
                                "telephone",
                                "fax_or_mail",
                                "email_or_internet"
                              ]
                            },
                            "applicant_declined_to_provide": {
                              "type": "boolean"
                            }
                          },
                          "additionalProperties": false,
                          "description": "Government monitoring data. Optional, and never used in the credit decision."
                        },
                        "credit_score_estimate": {
                          "type": "number",
                          "minimum": 300,
                          "maximum": 900,
                          "description": "Self-reported estimate. Not a substitute for a credit pull."
                        }
                      },
                      "additionalProperties": false,
                      "required": [
                        "role",
                        "first_name",
                        "last_name"
                      ]
                    },
                    "minItems": 1,
                    "maxItems": 4
                  },
                  "loan": {
                    "type": "object",
                    "properties": {
                      "purpose": {
                        "type": "string",
                        "enum": [
                          "purchase",
                          "refinance",
                          "construction",
                          "home_equity",
                          "business",
                          "other"
                        ]
                      },
                      "loan_amount": {
                        "type": "number",
                        "description": "Amount requested, in US dollars."
                      },
                      "mortgage_type": {
                        "type": "string",
                        "enum": [
                          "conventional",
                          "fha",
                          "va",
                          "usda_rural",
                          "other"
                        ]
                      },
                      "program": {
                        "type": "string",
                        "enum": [
                          "conventional",
                          "fha",
                          "va",
                          "usda",
                          "jumbo",
                          "bank_statement",
                          "ptl_profit_loss",
                          "asset_depletion",
                          "dscr",
                          "itin",
                          "foreign_national",
                          "hard_money",
                          "fix_and_flip",
                          "heloc",
                          "heloan",
                          "cash_out_refinance",
                          "construction",
                          "renovation_203k",
                          "commercial_real_estate",
                          "equipment_financing",
                          "reverse_mortgage",
                          "unsure"
                        ],
                        "description": "The Paramount program the borrower is aiming at, if known. Use \"unsure\" freely."
                      },
                      "amortization": {
                        "type": "string",
                        "enum": [
                          "fixed_rate",
                          "adjustable_rate",
                          "interest_only",
                          "other"
                        ]
                      },
                      "term_months": {
                        "type": "number",
                        "minimum": 1,
                        "maximum": 600
                      },
                      "interest_rate": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 50,
                        "description": "Rate being discussed, if any. Paramount quotes no rate through this API."
                      },
                      "refinance_type": {
                        "type": "string",
                        "enum": [
                          "no_cash_out",
                          "limited_cash_out",
                          "cash_out"
                        ]
                      },
                      "refinance_program": {
                        "type": "string",
                        "enum": [
                          "full_documentation",
                          "interest_rate_reduction",
                          "streamlined_without_appraisal",
                          "other"
                        ]
                      },
                      "cash_out_amount": {
                        "type": "number",
                        "description": "US dollars."
                      },
                      "down_payment_amount": {
                        "type": "number",
                        "description": "US dollars."
                      },
                      "down_payment_source": {
                        "type": "string",
                        "maxLength": 200
                      },
                      "estimated_closing_costs": {
                        "type": "number",
                        "description": "US dollars."
                      },
                      "purchase_price": {
                        "type": "number",
                        "description": "US dollars."
                      },
                      "timeline": {
                        "type": "string",
                        "enum": [
                          "immediately",
                          "within_30_days",
                          "within_60_days",
                          "within_90_days",
                          "more_than_90_days",
                          "just_researching"
                        ]
                      }
                    },
                    "additionalProperties": false,
                    "required": [
                      "purpose",
                      "loan_amount"
                    ]
                  },
                  "property": {
                    "type": "object",
                    "properties": {
                      "street": {
                        "type": "string",
                        "maxLength": 200,
                        "description": "Street address including house number."
                      },
                      "unit": {
                        "type": "string",
                        "maxLength": 40
                      },
                      "city": {
                        "type": "string",
                        "maxLength": 80
                      },
                      "state": {
                        "type": "string",
                        "pattern": "^[A-Za-z]{2}$",
                        "description": "Two-letter US state or territory code, e.g. CA."
                      },
                      "zip": {
                        "type": "string",
                        "pattern": "^\\d{5}(-?\\d{4})?$",
                        "description": "5-digit or ZIP+4."
                      },
                      "country": {
                        "type": "string",
                        "maxLength": 60,
                        "description": "Defaults to US."
                      },
                      "county": {
                        "type": "string",
                        "maxLength": 80
                      },
                      "number_of_units": {
                        "type": "number",
                        "minimum": 1,
                        "maximum": 100
                      },
                      "estimated_value": {
                        "type": "number",
                        "description": "US dollars."
                      },
                      "occupancy": {
                        "type": "string",
                        "enum": [
                          "primary_residence",
                          "second_home",
                          "investment_property"
                        ]
                      },
                      "is_mixed_use": {
                        "type": "boolean"
                      },
                      "is_manufactured_home": {
                        "type": "boolean"
                      },
                      "is_fha_secondary_residence": {
                        "type": "boolean"
                      },
                      "property_not_yet_identified": {
                        "type": "boolean",
                        "description": "True when the borrower is shopping and has no address yet."
                      },
                      "expected_monthly_rental_income": {
                        "type": "number",
                        "description": "US dollars."
                      },
                      "net_monthly_rental_income": {
                        "type": "number",
                        "description": "US dollars."
                      }
                    },
                    "additionalProperties": false
                  },
                  "assets": {
                    "type": "object",
                    "properties": {
                      "accounts": {
                        "type": "array",
                        "items": {
                          "type": "object",
                          "properties": {
                            "account_type": {
                              "type": "string",
                              "enum": [
                                "checking",
                                "savings",
                                "money_market",
                                "certificate_of_deposit",
                                "mutual_fund",
                                "stocks",
                                "stock_options",
                                "bonds",
                                "retirement",
                                "bridge_loan_proceeds",
                                "individual_development_account",
                                "trust_account",
                                "cash_value_of_life_insurance"
                              ]
                            },
                            "financial_institution": {
                              "type": "string",
                              "maxLength": 150
                            },
                            "account_number": {
                              "type": "string",
                              "maxLength": 40
                            },
                            "cash_or_market_value": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "owned_by": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 3,
                              "description": "Index into borrowers[]. Omit for jointly held."
                            }
                          },
                          "additionalProperties": false,
                          "required": [
                            "account_type",
                            "cash_or_market_value"
                          ]
                        },
                        "maxItems": 30
                      },
                      "other_assets": {
                        "type": "array",
                        "items": {
                          "type": "object",
                          "properties": {
                            "asset_type": {
                              "type": "string",
                              "enum": [
                                "proceeds_from_real_estate_to_be_sold",
                                "proceeds_from_sale_of_non_real_estate_asset",
                                "secured_borrowed_funds",
                                "unsecured_borrowed_funds",
                                "other"
                              ]
                            },
                            "cash_or_market_value": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "description": {
                              "type": "string",
                              "maxLength": 200
                            }
                          },
                          "additionalProperties": false,
                          "required": [
                            "asset_type",
                            "cash_or_market_value"
                          ]
                        },
                        "maxItems": 20
                      },
                      "credits": {
                        "type": "array",
                        "items": {
                          "type": "object",
                          "properties": {
                            "credit_type": {
                              "type": "string",
                              "enum": [
                                "earnest_money",
                                "employer_assistance",
                                "lot_equity",
                                "relocation_funds",
                                "rent_credit",
                                "sweat_equity",
                                "trade_equity",
                                "other"
                              ]
                            },
                            "amount": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "description": {
                              "type": "string",
                              "maxLength": 200
                            }
                          },
                          "additionalProperties": false,
                          "required": [
                            "credit_type",
                            "amount"
                          ]
                        },
                        "maxItems": 20
                      }
                    },
                    "additionalProperties": false
                  },
                  "liabilities": {
                    "type": "object",
                    "properties": {
                      "accounts": {
                        "type": "array",
                        "items": {
                          "type": "object",
                          "properties": {
                            "liability_type": {
                              "type": "string",
                              "enum": [
                                "revolving",
                                "installment",
                                "open_30_day",
                                "lease",
                                "other"
                              ]
                            },
                            "creditor_name": {
                              "type": "string",
                              "maxLength": 150
                            },
                            "account_number": {
                              "type": "string",
                              "maxLength": 40
                            },
                            "monthly_payment": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "unpaid_balance": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "to_be_paid_off_at_or_before_closing": {
                              "type": "boolean"
                            },
                            "owned_by": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 3
                            }
                          },
                          "additionalProperties": false,
                          "required": [
                            "liability_type"
                          ]
                        },
                        "maxItems": 40
                      },
                      "other_obligations": {
                        "type": "array",
                        "items": {
                          "type": "object",
                          "properties": {
                            "obligation_type": {
                              "type": "string",
                              "enum": [
                                "alimony",
                                "child_support",
                                "separate_maintenance",
                                "job_related_expenses",
                                "other"
                              ]
                            },
                            "monthly_payment": {
                              "type": "number",
                              "description": "US dollars."
                            },
                            "months_remaining": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 600
                            },
                            "to_be_paid_off_at_or_before_closing": {
                              "type": "boolean"
                            },
                            "description": {
                              "type": "string",
                              "maxLength": 200
                            }
                          },
                          "additionalProperties": false,
                          "required": [
                            "obligation_type",
                            "monthly_payment"
                          ]
                        },
                        "maxItems": 20
                      }
                    },
                    "additionalProperties": false
                  },
                  "real_estate_owned": {
                    "type": "array",
                    "items": {
                      "type": "object",
                      "properties": {
                        "street": {
                          "type": "string",
                          "maxLength": 200,
                          "description": "Street address including house number."
                        },
                        "unit": {
                          "type": "string",
                          "maxLength": 40
                        },
                        "city": {
                          "type": "string",
                          "maxLength": 80
                        },
                        "state": {
                          "type": "string",
                          "pattern": "^[A-Za-z]{2}$",
                          "description": "Two-letter US state or territory code, e.g. CA."
                        },
                        "zip": {
                          "type": "string",
                          "pattern": "^\\d{5}(-?\\d{4})?$",
                          "description": "5-digit or ZIP+4."
                        },
                        "country": {
                          "type": "string",
                          "maxLength": 60,
                          "description": "Defaults to US."
                        },
                        "property_value": {
                          "type": "number",
                          "description": "US dollars."
                        },
                        "status": {
                          "type": "string",
                          "enum": [
                            "sold",
                            "pending_sale",
                            "retained"
                          ]
                        },
                        "intended_occupancy": {
                          "type": "string",
                          "enum": [
                            "primary_residence",
                            "second_home",
                            "investment_property",
                            "other"
                          ]
                        },
                        "monthly_insurance_taxes_and_dues": {
                          "type": "number",
                          "description": "Only when not included in the mortgage payment."
                        },
                        "monthly_rental_income": {
                          "type": "number",
                          "description": "US dollars."
                        },
                        "net_monthly_rental_income": {
                          "type": "number",
                          "description": "US dollars."
                        },
                        "is_subject_property": {
                          "type": "boolean"
                        },
                        "mortgage_loans": {
                          "type": "array",
                          "items": {
                            "type": "object",
                            "properties": {
                              "creditor_name": {
                                "type": "string",
                                "maxLength": 150
                              },
                              "account_number": {
                                "type": "string",
                                "maxLength": 40
                              },
                              "monthly_payment": {
                                "type": "number",
                                "description": "US dollars."
                              },
                              "unpaid_balance": {
                                "type": "number",
                                "description": "US dollars."
                              },
                              "to_be_paid_off_at_or_before_closing": {
                                "type": "boolean"
                              },
                              "liability_type": {
                                "type": "string",
                                "enum": [
                                  "revolving",
                                  "installment",
                                  "open_30_day",
                                  "lease",
                                  "other"
                                ]
                              },
                              "credit_limit": {
                                "type": "number",
                                "description": "US dollars."
                              }
                            },
                            "additionalProperties": false
                          },
                          "maxItems": 8
                        }
                      },
                      "additionalProperties": false
                    },
                    "maxItems": 20,
                    "description": "Section 3. Every property the borrower owns, including the one being refinanced."
                  },
                  "other_new_mortgage_loans": {
                    "type": "array",
                    "items": {
                      "type": "object",
                      "properties": {
                        "creditor_name": {
                          "type": "string",
                          "maxLength": 150
                        },
                        "lien_type": {
                          "type": "string",
                          "maxLength": 60
                        },
                        "monthly_payment": {
                          "type": "number",
                          "description": "US dollars."
                        },
                        "loan_amount": {
                          "type": "number",
                          "description": "US dollars."
                        },
                        "credit_limit": {
                          "type": "number",
                          "description": "US dollars."
                        }
                      },
                      "additionalProperties": false
                    },
                    "maxItems": 10,
                    "description": "Section 4b. Other new mortgage loans on the subject property."
                  },
                  "gifts_or_grants": {
                    "type": "array",
                    "items": {
                      "type": "object",
                      "properties": {
                        "gift_type": {
                          "type": "string",
                          "enum": [
                            "cash_gift",
                            "gift_of_equity",
                            "grant"
                          ]
                        },
                        "source": {
                          "type": "string",
                          "enum": [
                            "community_nonprofit",
                            "employer",
                            "federal_agency",
                            "local_agency",
                            "relative",
                            "religious_nonprofit",
                            "state_agency",
                            "unmarried_partner",
                            "lender",
                            "other"
                          ]
                        },
                        "value": {
                          "type": "number",
                          "description": "US dollars."
                        },
                        "status": {
                          "type": "string",
                          "enum": [
                            "deposited",
                            "not_deposited"
                          ]
                        }
                      },
                      "additionalProperties": false,
                      "required": [
                        "gift_type",
                        "source",
                        "value"
                      ]
                    },
                    "maxItems": 10,
                    "description": "Section 4d."
                  },
                  "loan_originator": {
                    "type": "object",
                    "properties": {
                      "organization_name": {
                        "type": "string",
                        "maxLength": 150
                      },
                      "organization_nmls_id": {
                        "type": "string",
                        "maxLength": 20
                      },
                      "organization_state_license_id": {
                        "type": "string",
                        "maxLength": 40
                      },
                      "originator_name": {
                        "type": "string",
                        "maxLength": 120
                      },
                      "originator_nmls_id": {
                        "type": "string",
                        "maxLength": 20
                      },
                      "originator_state_license_id": {
                        "type": "string",
                        "maxLength": 40
                      },
                      "email": {
                        "type": "string",
                        "format": "email"
                      },
                      "phone": {
                        "type": "string"
                      }
                    },
                    "additionalProperties": false,
                    "description": "Section 9. Leave empty and Paramount assigns a licensed loan officer."
                  },
                  "notes": {
                    "type": "string",
                    "maxLength": 8000,
                    "description": "Anything a loan officer should read first. Plain English."
                  }
                },
                "additionalProperties": false,
                "required": [
                  "submitted_by",
                  "acknowledgments",
                  "borrowers",
                  "loan",
                  "property"
                ]
              }
            }
          }
        },
        "responses": {
          "201": {
            "description": "Received. A loan officer will contact the borrower.",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "properties": {
                    "ok": {
                      "type": "boolean"
                    },
                    "application_id": {
                      "type": "string",
                      "examples": [
                        "PLS-20260929-K4X2QA"
                      ]
                    },
                    "received_at": {
                      "type": "string",
                      "format": "date-time"
                    },
                    "reference_id": {
                      "type": [
                        "string",
                        "null"
                      ],
                      "description": "Echo of submitted_by.reference_id."
                    },
                    "status": {
                      "type": "string",
                      "examples": [
                        "received"
                      ]
                    },
                    "borrower": {
                      "type": "string"
                    },
                    "warnings": {
                      "type": "array",
                      "items": {
                        "type": "string"
                      },
                      "description": "Gaps that will slow the file down. Not errors."
                    },
                    "next_steps": {
                      "type": "array",
                      "items": {
                        "type": "string"
                      }
                    },
                    "disclosure": {
                      "type": "string"
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "The body is not valid JSON."
          },
          "413": {
            "description": "The body is larger than 512 KB."
          },
          "422": {
            "description": "Validation failed. Fix the listed fields and resubmit.",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "properties": {
                    "error": {
                      "type": "string",
                      "examples": [
                        "validation_failed"
                      ]
                    },
                    "message": {
                      "type": "string"
                    },
                    "errors": {
                      "type": "array",
                      "items": {
                        "type": "object",
                        "properties": {
                          "field": {
                            "type": "string"
                          },
                          "message": {
                            "type": "string"
                          }
                        }
                      }
                    },
                    "warnings": {
                      "type": "array",
                      "items": {
                        "type": "string"
                      }
                    },
                    "schema_url": {
                      "type": "string"
                    }
                  }
                }
              }
            }
          },
          "429": {
            "description": "More than 12 submissions in a minute from one address."
          },
          "503": {
            "description": "Valid but not delivered. Nothing was recorded. Safe to retry."
          }
        }
      },
      "get": {
        "tags": [
          "Applications"
        ],
        "operationId": "describeSubmission",
        "summary": "How to submit",
        "responses": {
          "200": {
            "description": "Where to POST and what is required."
          }
        }
      }
    },
    "/schema": {
      "get": {
        "tags": [
          "Reference"
        ],
        "operationId": "getLoanApplicationSchema",
        "summary": "JSON Schema for the application body",
        "responses": {
          "200": {
            "description": "JSON Schema draft 2020-12.",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object"
                }
              }
            }
          }
        }
      }
    },
    "/programs": {
      "get": {
        "tags": [
          "Reference"
        ],
        "operationId": "listLoanPrograms",
        "summary": "Loan programs Paramount brokers",
        "responses": {
          "200": {
            "description": "One entry per program. Values: conventional, fha, va, usda, jumbo, bank_statement, ptl_profit_loss, asset_depletion, dscr, itin, foreign_national, hard_money, fix_and_flip, heloc, heloan, cash_out_refinance, construction, renovation_203k, commercial_real_estate, equipment_financing, reverse_mortgage, unsure."
          }
        }
      }
    },
    "/example": {
      "get": {
        "tags": [
          "Reference"
        ],
        "operationId": "getExampleApplication",
        "summary": "A complete example request body",
        "responses": {
          "200": {
            "description": "A filled 1003 you can copy and adapt."
          }
        }
      }
    },
    "/health": {
      "get": {
        "tags": [
          "Reference"
        ],
        "operationId": "health",
        "summary": "Liveness check",
        "responses": {
          "200": {
            "description": "Up."
          }
        }
      }
    }
  }
}