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AI agent for mortgage brokers

Lender Guideline Change Watch Agent

Read lender bulletins, map each change to active files, flag affected files and propose fixes

MonitoringDecisionsSalesFinanceReal estate and construction
See how it worksGet access
Lender Guideline Change Watch Agent: what goes in, what the agent does and what you get

What it does

Lender rules change and files fail late. Each day the agent reads lender bulletins and rate sheet notes and extracts the changes: credit limits, income rules, documents or pricing. It maps each change to active files and flags those affected. For each flagged file it proposes a fix, such as another product or lender, and checks the fix against the client's profile. After the broker acts, it rechecks the file. The broker approves client messages and any lender switch. Edge case: a lender raises the minimum score from 620 to 640, and a client at 632 needs another product.

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 Daily bulletin read 2 USES A TOOL Read lender bulletins and rate notes 3 DOES Extract rule and price changes 4 USES A TOOL Match each change to active files 5 CHECKS THE RESULT Is each flagged file clearly affected? If not: Read the file details and clear or confirm theflag. Back to step 3. 6 DOES Propose a fix such as another product or lender 7 USES A TOOL Check the fix against the client's profile 8 CHECKS THE RESULT Does the fix qualify the client? If not: Search another product or lender. Back to step5. 9 YOU APPROVE Broker approves client messages and lender switches 10 RESULT Affected files list and updated plan
Read the steps as a list
  1. Daily bulletin read
  2. Read lender bulletins and rate notes
  3. Extract rule and price changes
  4. Match each change to active files
  5. Is each flagged file clearly affected?If not: Read the file details and clear or confirm the flag. Back to step 3.
  6. Propose a fix such as another product or lender
  7. Check the fix against the client's profile
  8. Does the fix qualify the client?If not: Search another product or lender. Back to step 5.
  9. Broker approves client messages and lender switchesThe agent waits here for your OK.
  10. Affected files list and updated plan

How it decides

Each change is mapped to the files it touches; a fix is proposed only when another product or lender meets the client's need.

  • Flag a file when a change touches its program
  • Check at least two fixes
  • Show cost changes for each fix
  • Alert on same-day changes

Make it yours

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

  • Bulletin sources
  • Check frequency
  • Fix options to test
  • Alert method

What keeps you in control

It always asks you first

  • Broker approves messages to clients
  • Broker approves any lender switch

Hard limits

  • Never switch a lender without approval
  • Never message clients without approval

It stops when

  • Done: every affected file has a fix or a decision
  • Stop: no product fits

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 lender raised its minimum score to 640 from 620 starting Monday. The agent flagged 3 files, one at 632. It proposed a second product from the same lender that allowed 620 with a higher rate, but the client's debt ratio failed it. It then found another lender at 620. The broker approved a switch before Monday.

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