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AI agent for mortgage brokers

Down Payment Assistance Match Agent

Match first-time buyers to assistance programs, check lender participation and track applications

ResearchAutomationSalesReal estate and constructionFinance
See how it worksGet access
Down Payment Assistance Match Agent: what goes in, what the agent does and what you get

What it does

Buyers often miss assistance programs they qualify for. The agent checks the client's income, location, household size and target price against the available programs. It lists eligible ones with requirements, deadlines and funding status. It checks that the chosen lender takes part in each program. For each match, it drafts a checklist of documents and steps, and tracks the application. If a program is out of funds or the lender does not take part, it looks for another. The broker approves each submission. Edge case: a program requires a homebuyer course before application, and the agent adds the course to the timeline.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN First-time buyer file opens 2 USES A TOOL Read the client profile 3 USES A TOOL Search programs by location and price 4 DOES Check income and price limits 5 CHECKS THE RESULT Does the client meet every rule for the program? If not: Remove the program or check a different one.Back to step 3. 6 USES A TOOL Check lender participation and funding 7 CHECKS THE RESULT Does the lender take part and are funds available? If not: Find another lender or program. Back to step 3. 8 DOES Build the checklist and timeline 9 YOU APPROVE Broker approves each submission 10 USES A TOOL Track the application to a decision 11 RESULT Assistance plan and status
Read the steps as a list
  1. First-time buyer file opens
  2. Read the client profile
  3. Search programs by location and price
  4. Check income and price limits
  5. Does the client meet every rule for the program?If not: Remove the program or check a different one. Back to step 3.
  6. Check lender participation and funding
  7. Does the lender take part and are funds available?If not: Find another lender or program. Back to step 3.
  8. Build the checklist and timeline
  9. Broker approves each submissionThe agent waits here for your OK.
  10. Track the application to a decision
  11. Assistance plan and status

How it decides

Programs are checked against income and price limits; only programs the lender accepts are recommended.

  • Recommend only programs where income is below the limit
  • Check funds before recommending
  • Add required courses to the timeline
  • Recheck programs monthly

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Programs searched
  • Check frequency (default monthly)
  • Lender list
  • Document checklist

What keeps you in control

It always asks you first

  • Broker approves each application submission
  • Broker approves client advice on the programs

Hard limits

  • Never promise a grant
  • Never submit without approval

It stops when

  • Done: program approved or none available
  • Stop: client income changes the eligibility

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA client earning $78,000 wanted a $320,000 home. The agent found three programs. One had a limit of $75,000, so it failed. Another had funds, but the client's lender did not take part, so it searched. A lender that did take part was found. The broker approved a $10,000 application.

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