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AI agent for mortgage brokers

Pre-Closing Employment Recheck Agent

Recheck employment, credit and balances days before closing and flag any change from the approval

MonitoringRisk managementSalesFinanceReal estate and construction
See how it worksGet access
Pre-Closing Employment Recheck Agent: what goes in, what the agent does and what you get

What it does

Job or credit changes just before closing can sink a loan. About a week before closing, the agent schedules the checks the lender allows: a verbal employment check, a credit refresh and a bank balance review. It compares each with the approved file and flags changes, such as a new job, a new account opened or a drop in funds to close. If it flags something, it requests an explanation and rechecks after the answer. It repeats the whole sequence two days before closing. The broker approves any contact with the client. Edge case: a client's balance dropped $4,000 for a furniture deposit, and the agent calculates whether funds to close still cover the figure.

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, continueApprovedYes, continueNoNo 1 STARTS WHEN Closing is 7 days away 2 USES A TOOL Read approval conditions and closing figures 3 USES A TOOL Request employment confirmation and a credit refresh 4 USES A TOOL Pull current bank balances 5 DOES Compare each result with the approved file 6 CHECKS THE RESULT Is anything different from the approval? If not: Prepare a clear question for each change andwait for the answer. Back to step 2. 7 YOU APPROVE Broker approves contact with the client 8 DOES Review the client's answer 9 CHECKS THE RESULT Do funds, income and credit still meet conditions? If not: Alert the lender and prepare options. Back tostep 5. 10 DOES Repeat the checks 2 days before closing 11 RESULT Pre-closing check report
Read the steps as a list
  1. Closing is 7 days away
  2. Read approval conditions and closing figures
  3. Request employment confirmation and a credit refresh
  4. Pull current bank balances
  5. Compare each result with the approved file
  6. Is anything different from the approval?If not: Prepare a clear question for each change and wait for the answer. Back to step 2.
  7. Broker approves contact with the clientThe agent waits here for your OK.
  8. Review the client's answer
  9. Do funds, income and credit still meet conditions?If not: Alert the lender and prepare options. Back to step 5.
  10. Repeat the checks 2 days before closing
  11. Pre-closing check report

How it decides

Each recheck is compared with the approved file; any change that could break an approval condition is flagged to the broker.

  • Flag any new credit inquiry or account
  • Flag funds below closing cash plus 2 months of reserves
  • Flag a job change or reduced hours
  • Run the checks twice before closing

Make it yours

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

  • Check timing (default 7 and 2 days)
  • Reserve requirement
  • Flag rules
  • Contacts

What keeps you in control

It always asks you first

  • Broker approves contact with the client
  • Broker approves any message to the lender

Hard limits

  • Never contact the client without the broker
  • Never run credit without consent

It stops when

  • Done: all checks match the approval
  • Stop: a change breaks a condition and the lender must decide

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 happensSeven days out, the agent found a $3,900 drop in the client's checking balance. Funds to close still covered the figure with $1,200 to spare, but reserves fell under 2 months. It asked the client, who explained a furniture deposit. The recheck 2 days before closing found a new $300 payment. The broker told the lender.

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