# Exception package template

**Mortgage Dorks Season 1**
**Course:** Guideline Decoder
**Lesson:** Which Exceptions Are Real?
**Format:** Template

## Use This For

Show the difference between a request an AE can champion and a request that does not address the actual credit or eligibility risk.

## Artifact Contents

- Rule or overlay at issue.
- Why the file fails the standard path.
- Compensating factors.
- Documents attached.
- Exception lane and decision owner.
- Specific exception requested.
- Fallback if declined.

## How To Use It

- Rewrite one exception request using the package template.
- Add a fallback path so the request is not all-or-nothing.

## Guardrail

Use synthetic or anonymized facts only. Remove names, exact property addresses, phone/email, SSN/DOB, loan numbers, account numbers, NMLS/customer IDs, unique employer or business names, screenshots, credit reports, AUS findings, tax docs, bank docs, and any combination of facts that could identify a borrower or customer.