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AI agent for mortgage brokers

Pre-Approval Refresh Agent

Refresh aging pre-approvals each week, requalify clients and flag those who no longer fit

MonitoringSalesFinanceReal estate and construction
See how it worksGet access
Pre-Approval Refresh Agent: what goes in, what the agent does and what you get

What it does

Pre-approvals go stale and fail at contract. Each week the agent lists pre-approvals by age and starts with those near expiry. Where permitted, it pulls a fresh credit check and compares income, debts and current rates with the original approval. It requests updated documents from clients when they are older than the lender allows. It reruns qualification with the new data and checks the result against lender rules. If a client no longer fits, it flags them and suggests options. The broker approves each new letter. Edge case: a client took on a car loan, and the debt ratio moved from 41% to 47%.

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
ApprovedYes, continueYes, continueApprovedNoNo 1 STARTS WHEN Weekly run 2 USES A TOOL List pre-approvals by age 3 USES A TOOL Pull a fresh credit check where permitted 4 DOES Compare income, debts and rates with the original 5 YOU APPROVE Broker approves credit pulls and document requests 6 CHECKS THE RESULT Are documents recent enough for the lender? If not: Request updated documents from the client. Backto step 2. 7 DOES Rerun qualification with the new data 8 CHECKS THE RESULT Does the client still qualify under lender rules? If not: Flag the client and suggest options. Back tostep 2. 9 DOES Draft the new pre-approval letter 10 YOU APPROVE Broker approves each new letter 11 RESULT Refreshed pre-approval file
Read the steps as a list
  1. Weekly run
  2. List pre-approvals by age
  3. Pull a fresh credit check where permitted
  4. Compare income, debts and rates with the original
  5. Broker approves credit pulls and document requestsThe agent waits here for your OK.
  6. Are documents recent enough for the lender?If not: Request updated documents from the client. Back to step 2.
  7. Rerun qualification with the new data
  8. Does the client still qualify under lender rules?If not: Flag the client and suggest options. Back to step 2.
  9. Draft the new pre-approval letter
  10. Broker approves each new letterThe agent waits here for your OK.
  11. Refreshed pre-approval file

How it decides

Each pre-approval is requalified with current income, debts and rates; clients who no longer fit are flagged before they bid.

  • Refresh at 60 days of age
  • Flag debt ratio above the lender limit
  • Request documents older than 90 days
  • Never issue a letter without a requalification

Make it yours

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

  • Refresh age (default 60 days)
  • Debt ratio limit
  • Document age limit
  • Lenders used

What keeps you in control

It always asks you first

  • Broker approves each credit check
  • Broker approves each new pre-approval letter

Hard limits

  • Never pull credit without consent
  • Never send a letter without approval

It stops when

  • Done: client requalified and letter issued
  • Stop: client declines a credit pull

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's pre-approval was 63 days old at $520,000. The agent pulled new credit and found a new $520 car payment. Debt ratio rose from 41% to 47%, over the 45% limit. The recheck with the car debt showed a limit of $470,000. The broker approved a revised letter and called the client.

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