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AI agent for mortgage brokers

Underwriting Condition Clearing Agent

Clear all lender conditions quickly so the loan reaches clear to close

CommunicationSalesFinanceReal estate and construction
See how it worksGet access
Underwriting Condition Clearing Agent: what goes in, what the agent does and what you get

What it does

After conditional approval, the lender lists conditions that must clear before closing, and chasing them across several parties is slow. This agent reads the approval and splits conditions by who must provide them: borrower, title, insurance, employer or broker, with one owner each. It sends each party a clear request. As items arrive, it checks each against the exact condition wording before anything goes to the lender. The broker approves each submission. The agent reads the lender's response and reopens any condition not accepted, with the reason, and requests again. It keeps a daily list of what is still open. New conditions added after resubmission become new requests with their own owner. Edge case: a new condition after resubmission is treated as a separate request.

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 Conditional approval received 2 DOES Split conditions by responsible party 3 USES A TOOL Send requests to each party 4 USES A TOOL Check returned items against condition wording 5 CHECKS THE RESULT Does each item match its condition wording? If not: send the item back to the party with what ismissing. Back to step 3. 6 YOU APPROVE Broker approves submission to the lender 7 CHECKS THE RESULT Did the lender accept every condition? If not: reopen rejected conditions with the reason andrequest again. Back to step 3. 8 DOES Update the daily open-conditions list 9 RESULT Clear to close
Read the steps as a list
  1. Conditional approval received
  2. Split conditions by responsible party
  3. Send requests to each party
  4. Check returned items against condition wording
  5. Does each item match its condition wording?If not: send the item back to the party with what is missing. Back to step 3.
  6. Broker approves submission to the lenderThe agent waits here for your OK.
  7. Did the lender accept every condition?If not: reopen rejected conditions with the reason and request again. Back to step 3.
  8. Update the daily open-conditions list
  9. Clear to close

How it decides

Each condition is assigned to the party who can provide it, and an item counts only when it matches the condition wording.

  • Assign each condition to one owner
  • Item must match the exact wording
  • New conditions start their own request

Make it yours

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

  • Reminder frequency
  • Party contacts
  • Daily status format
  • Escalation timing

What keeps you in control

It always asks you first

  • Each submission to the lender

Hard limits

  • Never alters borrower documents
  • Never submits without approval

It stops when

  • Done: clear to close
  • Stop: loan denied

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 happensAn approval on June 3 listed 14 conditions. Twelve cleared on the first submission, but the lender rejected two, so the acceptance check failed: an insurance binder without the mortgagee clause and a gift letter missing the donor's account. The agent requested both with the exact wording. The broker approved the resubmission, and the loan was clear to close on June 7.

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