Mortgage brokers
Every file complete before the lender asks.
AI for mortgage brokers that keeps every file moving:
- Document checklists sent, chased and filed as pieces arrive
- Lender submissions drafted from the application
- Maturities reminded early, new leads answered within minutes
The licensed agent still advises. Live in five business days from the day access is granted.
Where do mortgage files stall?
On paper. A file sits for a week on a notice of assessment the client thinks they already sent. The purchase agreement arrives without the amendment. A pre-approved client goes quiet and buys through the bank. A renewal comes due and the lender's offer reaches the client before you do. None of it is advice, and all of it falls on the agent between client calls.
What happens to each file?
| Stage | What the system does | Who sees it |
|---|---|---|
| New lead | A reply in your words within minutes, two questions and a booking link | Whoever handles intake |
| Application started | The document checklist for that file type sent, with a secure upload link | The agent |
| Documents arriving | Each one named, filed and ticked off; what is missing chased on your schedule | The agent, as one list per file |
| Ready for a lender | The submission drafted from the application, for the agent to review and send | The agent |
| Conditions | Outstanding conditions listed with dates and chased | The agent and the client |
| 120 days before maturity | A renewal check-in drafted in your words | The agent, who approves it |
Which documents does it chase?
T4s and notices of assessment, pay stubs and employment letters, bank statements for the down payment, the purchase agreement and amendments, ID, and the property tax bill on refinances. One checklist per file, built from the product and the lender's requirements.
What about FSRA's rules?
They do not change. FSRA licenses Ontario mortgage brokerages, brokers and agents under the Mortgage Brokerages, Lenders and Administrators Act, so a licensed person sends anything that is a rate, a disclosure or advice. The system drafts, chases and files. Client information stays in your own Microsoft 365 or Google Workspace under PIPEDA.
What does a stalled file cost?
Arithmetic with your numbers. One file a quarter lost to a slow document chase, at an average commission of $3,000, is $12,000 a year. Discovery counts the files that stalled in a week of your own mailbox.
What it will not do
It will not advise, quote a rate, choose a lender or sign anything. It will not send a client's information to a lender the agent did not choose, and it will not send marketing to people who have not asked.
Questions about AI for mortgage brokers
- What does AI do in a mortgage brokerage?
- It sends and chases document checklists, files documents, drafts lender submissions and renewal check-ins, and answers new leads within minutes. The licensed agent advises and submits.
- Is it allowed under FSRA's rules?
- Yes. The licensed broker or agent still sends anything that is a rate, a disclosure or advice; the system handles documents and the calendar.
- Does it work with Filogix Expert or Velocity?
- Where the system has an export or a connection, yes. We confirm during discovery and say so in the quote.
- Can it chase clients for documents?
- Yes, in your words, on your schedule, with the exact list of what is missing, by email or WhatsApp. It stops when the file is complete.
- Does it quote rates?
- No. Rates and advice stay with the licensed agent.
- Can it remind clients before maturity?
- Yes. A check-in is drafted 120 days out for you to approve, so you reach the client before the lender's offer does.
- How does it handle photos of documents?
- It reads them, names them, files them to the right checklist item and flags anything unreadable for a person.
- Can it answer the phone?
- Yes. The voice agent takes details, answers status questions from the file's stage and books a call with the agent. It never gives advice.
- Is client data safe?
- It stays in your own tenant. Our access is limited to one mailbox, revocable in one click, and never used to train anything.
- Does it work for a one-agent brokerage?
- Yes. A solo agent usually gains the most, because nobody else is chasing documents.
- How long does setup take?
- Five business days from the day access is granted, for the first mailbox and the first file type's checklist.
- What does it cost?
- Discovery is free. The build is quoted after it, then a monthly care plan. We do not publish a rate card.
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