See your next HUD deal the way an experienced HUD reviewer will.
Walk into HUD review knowing where the questions will be. KimmyMae AI compares your submission to the MAP Guide, HUD underwriting principles, and current Mortgagee Letters — so you deliver cleaner packages, avoid preventable screen-outs, and get to firm commitment faster.
About KimmyMae
Created by Kim Estep, a multifamily capital markets advisor with 25+ years in:
- HUD-insured lending
- GNMA/TBA markets
- Rate lock strategy
- Risk management
Kim built KimmyMae to solve the problems she saw every day: screen-outs, redlines, slow turnarounds, and market uncertainty during underwriting.
Kim Estep
Founder, KimmyMae
25+ years of expertise in multifamily capital markets, HUD-insured lending, and GNMA execution.
Read full bioYour data is safe inside KimmyMae
Real Results From HUD Lenders
Cleaner submissions on the first pass
"KimmyMae caught three MAP issues before we submitted — saved a week."
— Chief Underwriter
Faster deficiency responses
"We turned a five-page deficiency memo around in under an hour."
— Senior FHA Underwriter
Smarter concept reviews
"The AI recommended a desk review instead of a meeting. HUD agreed."
— Production Director
More efficient teams
"Our senior underwriters now focus on risk, not reformatting memos."
— Managing Director
Transforming multifamily lending with real HUD expertise and AI.
We support:
- HUD-approved multifamily lenders
- GNMA trading desks
- Select sponsors operating inside the HUD ecosystem
With two decades in HUD-insured lending, GNMA execution, and capital markets advisory, KimmyMae brings real-world underwriting logic into a modern AI workflow.
KimmyMae AI — HUD Readiness Suite
Your HUD submission co-pilot
KimmyMae AI is trained on the MAP Guide and HUD underwriting workflows. It doesn't replace your underwriters — it removes the friction that slows them down.
Submission Readiness
"Would HUD approve this package? Let's find out first."
- Checks exhibits against MAP requirements
- Flags missing/expired items
- HUD-Readiness Score (0–100)
- Desk-review summary for your cover memo
Concept Package Triage
"Stay out of queue hell."
- Summarizes project facts
- Identifies waiver/exception points
- Recommends desk review vs. meeting
- Drafts the HUD submission email
Deficiency Response Builder
"Turn HUD's redlines into greenlights."
- Drafts numbered responses
- Suggests narrative revisions
- Generates exhibit checklist
- Inserts MAP citations supporting each cure
Closing Escalation Assistant
"Follow up like a professional, not a pest."
- Drafts respectful follow-ups to OGC & Production
- Recaps resolved vs. outstanding items
- Anchors everything to the closing checklist
MUDZIE: Real-time HUD & GNMA rate intelligence during underwriting
HUD must issue the firm commitment before rate-lock. Mudzie keeps teams aligned on sizing and DSCR expectations while HUD is reviewing the deal.
- Live Treasury & swap rates
- GNMA spreads
- All-in coupon implications
- DSCR direction and sizing impact
- Volatility bands for committee conversations
Use KimmyMae AI to get the commitment.
Use Mudzie to manage rate expectations until the commitment is issued.
Real-Time Market Intelligence
Stay informed with live market data while HUD reviews your deal. Make confident decisions about sizing and DSCR with up-to-the-minute intelligence.
Learn more about MudzieWhy Lenders Trust KimmyMae
KimmyMae is trusted because it reflects how experienced HUD lenders already think—just faster and more consistently.
Deep HUD MAP expertise
GNMA and capital markets credibility
Private, per-lender AI architecture
Tools built around real workflows, not theory
What we watch so you don\'t have to
Market commentary on:
Fed decisions
GNMA liquidity
Mortgagee Letters that shift timelines or structure
Rate & DSCR volatility
Walk into HUD review knowing where the questions will be.
Send us your Section 1 index (no sensitive docs needed for the demo), and we'll walk you through a live readiness review inside your secure AI tenant.
Request My HUD Readiness Demo