AI agent for mortgage brokers
Mortgage Document Collection Agent
Assemble a complete, current borrower file ready for lender submission
What it does
A loan file needs many documents, and each must be current, complete and consistent, or the lender sends it back. This agent builds a document list tailored to the borrower's income type, such as salaried, self-employed or retired, and sends it with a secure upload link. As documents arrive it checks each one: right person, required date range such as the last 60 days of statements, all pages present, readable, and matching the stated income and assets. Self-employed files need two years of returns. It flags large deposits that need a source letter. Missing or outdated items get a clear reminder listing exactly what is wrong, and new uploads are checked again. The broker reviews the complete file before it goes to a lender. Edge case: bank statements with a missing page are rejected even if the totals look right.
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.
Read the steps as a list
- Application signed
- Build the document list for the borrower's income type
- Send the list and secure upload link
- Read and check each uploaded document
- Is every document present, current and consistent?If not: send a reminder listing exactly what is missing or wrong. Back to step 3.
- Flag large deposits and request source letters
- Is every large deposit explained?If not: remind the borrower and hold the file. Back to step 6.
- Broker reviews the complete fileThe agent waits here for your OK.
- File ready for lender submission
How it decides
Each document must cover the required period, show all pages and match the application. Deposits above the set share of income need a source letter.
- Statements must cover the last 60 days
- Large deposits need a source letter
- Self-employed files need two years of returns
Make it yours
Every agent is a starting point. You choose these settings for your own situation.
- Document lists by income type
- Large deposit threshold
- Reminder frequency
- Channels
What keeps you in control
It always asks you first
- Submitting the file to a lender
Hard limits
- Never stores documents outside the secure portal
- Never makes credit decisions
It stops when
- Done: file complete
- Stop: borrower withdraws
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.
- 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
