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AI agent for mortgage brokers

Lender Scenario Comparison Agent

Show the client the best qualifying loan options with true costs

DecisionsSalesFinanceReal estate and construction
See how it worksGet access
Lender Scenario Comparison Agent: what goes in, what the agent does and what you get

What it does

Clients want to know which loan is best for them, not just which has the lowest rate. This agent takes the borrower's profile and goals, pulls each lender's guidelines and current rate sheets, and builds scenarios per lender and product. It checks each scenario against the lender's rules on credit score, loan-to-value, debt-to-income and property type, and drops those the borrower does not qualify for. When debt-to-income is within 2 points of a limit, it tests whether paying off a small debt opens more options. For the remaining scenarios it calculates monthly payment, cash to close and total cost over the client's expected time in the home, showing points and credits clearly. It drafts a plain comparison of the top three. The broker reviews and makes the recommendation. Edge case: a borrower near a DTI limit sees how a small payoff changes options.

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, continueApprovedNo 1 STARTS WHEN Borrower profile complete 2 USES A TOOL Pull lender guidelines and rate sheets 3 DOES Build scenarios per lender and product 4 CHECKS THE RESULT Does the borrower meet each lender's rules? If not: drop the scenario or test a small change such aspaying off a debt. Back to step 3. 5 USES A TOOL Calculate payment, cash to close and total cost 6 DOES Draft a plain comparison of the top three 7 YOU APPROVE Broker reviews and makes the recommendation 8 RESULT Comparison shared with the client
Read the steps as a list
  1. Borrower profile complete
  2. Pull lender guidelines and rate sheets
  3. Build scenarios per lender and product
  4. Does the borrower meet each lender's rules?If not: drop the scenario or test a small change such as paying off a debt. Back to step 3.
  5. Calculate payment, cash to close and total cost
  6. Draft a plain comparison of the top three
  7. Broker reviews and makes the recommendationThe agent waits here for your OK.
  8. Comparison shared with the client

How it decides

Options are ranked by total cost over the expected holding period among those the borrower qualifies for.

  • Rank by total cost over expected holding period
  • Test debt payoff when DTI is within 2 points of a limit
  • Show points and credits clearly

Make it yours

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

  • Expected holding period
  • Lenders included
  • DTI margin for payoff tests
  • Comparison format

What keeps you in control

It always asks you first

  • Sending the comparison
  • Locking a rate

Hard limits

  • Never locks rates
  • Never presents scenarios the borrower does not qualify for

It stops when

  • Done: comparison delivered
  • Stop: borrower does not qualify with any lender

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 borrower at 45.8% debt-to-income failed the rules check for two lenders with a 45% cap. The agent tested paying off a $2,100 card balance, which brought DTI to 44.2% and opened both. Over a seven-year expected stay, the best option saved about $9,400 versus the lowest rate with points. The broker reviewed the comparison and recommended it.

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