# Products # Products The borrower conversation and the assistants around it, collecting the credit, assets, liabilities, employment, income and real estate owned that the Products dimension documents. - Application document Generates the completed application document from everything the conversation collected, and takes the borrower's signature on it. - Assets Collects what the borrower holds — deposit and investment accounts, the institution each sits with, and the balance. - Co-borrower invitation Invites a co-borrower into the application and starts their own task set, which is the borrower's set plus the questions only they can answer. - Contact details Collects how to reach the borrower — telephone numbers by kind, and the electronic-mail address the application and its documents are sent to. - Correction Reopens a subject the borrower has already answered so an answer can be changed without restarting the application. - Credit Takes the borrower's consent to a credit enquiry, runs it, and brings the result back into the conversation so the liabilities it reports can be confirmed rather than typed. - Declarations Collects the declaration questions the application requires, and the follow-up detail wherever an answer needs one. - Demographic details Collects the regulated demographic questions, including the borrower's right to decline each of them. - Employment and income Collects employment and the income that comes from it — employer, role, dates, and the pay in the components a lender underwrites: base, overtime, bonus and commission. - Frequently-asked questions Answers a borrower's questions from a curated knowledge base rather than from the model's general knowledge, with the source behind each answer. - Gifts and grants Collects funds given to the borrower rather than held by them — the donor, the relationship, the amount, and whether the funds have arrived. - Liabilities Reviews the debts the credit enquiry reported, corrects them, and collects the ones it did not — the obligations that do not appear on a credit file. - Loan lookup Finds an existing application from what the borrower can remember, so a returning conversation resumes rather than restarts. - Military service Collects service history, which decides eligibility for the loan programmes that depend on it. - Mortgage details Collects the terms of the loan being applied for and of any mortgage already secured on a property the borrower owns — amount, purpose, occupancy and term. - Other income Collects income from every source that is neither employment nor a business the borrower owns — rental income, benefits, pensions, investments, support payments. - Personal identity Opens the application and collects who the borrower is — legal name, date of birth, taxpayer identifier, citizenship and marital status. - Preapproval letter Produces the preapproval letter from the priced application, and refreshes it when the price behind it moves. - Pricing Runs an actual price against the collected loan terms and explains the result in the conversation. - Rate estimate Gives a borrower an indicative rate from a short conversation, before any application exists. - Real estate owned Collects the properties the borrower already owns — address, value, how it is used, and what it earns or costs. - Residency Collects where the borrower lives now and where they lived before, with the dates, so the address history covers the required period without gaps. - Self-employment income Collects income from a business the borrower owns, including contract income reported on its own tax form. - Workspace assistant The assistant inside the internal workspace: answers a reviewer's questions about an application in progress and drafts the message going back to the borrower.