> ## Documentation Index
> Fetch the complete documentation index at: https://docs.homestar.goslate.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Edgecase: Multiple Current Home Loans

<Note>This occurs when the applicant’s credit report or title search indicates more than one existing home loan.</Note>

## Platform Action

Auto-escalation to human.

### Credit Operations – Next Steps

* Review all loan account information to:
  * **Validate if the data is accurate** (i.e. splits vs. separate loans)
  * Identify any **short-term bridging loans** or refinancing overlaps
  * Investigate potential **address mismatches** or joint liabilities
* Confirm total debt exposure before proceeding

## Example Situation

An applicant’s credit report shows two separate home loans.\
The platform escalates the file. Credit ops confirms one is a short-term bridging loan due to settle within weeks and verifies the total loan exposure is within policy. The application proceeds.