Job letters and NOAs chased before the lender cutoff
The lender wants a gift letter and the 2023 notice of assessment by Wednesday. The borrower gets a friendly call naming exactly what's missing and why, and the file is complete before anyone has to ask twice.
Outstanding documents on a file, or new conditions back from the lender.
Calls with the exact list, explains each item, texts the upload link, checks it came in.
A complete file before the condition date, and a list of borrowers who are stuck.
How it works
- Reads the conditions
What the lender still needs and by when: a job letter, the last two pay stubs, a 90-day bank history, a gift letter, a void cheque.
- Calls with the exact list
"Lender's asking for your 2023 notice of assessment and a gift letter from your parents." Never a vague "we need some paperwork".
- Explains in plain words
Where to find a notice of assessment in their CRA account, what a gift letter has to say, who signs a job letter.
- Sends the upload link
A text with the items and a secure link. Photos from a phone work.
- Checks it arrived
When an upload lands, it checks it's the right document and year, and calls back if a page is missing.
- Flags what's stuck
A borrower who can't get a document in time goes to their agent the same day, with the reason.
Example call
- AI agentHi Jordan, it's Emma from Ridgeline Mortgage. Got a minute? It's about the two items the lender needs by Wednesday.
- CustomerSure. I thought I sent everything.
- AI agentYou did most of it. They're asking for your 2023 notice of assessment, and a gift letter from your parents for the 20,000.
- CustomerWhere do I get the notice of assessment?
- AI agentIt's in your CRA My Account, under tax returns. You can download the PDF. For the gift letter, I'll text you the template your parents fill in and sign.
- CustomerOkay, I can do both tonight.
- AI agentPerfect. The upload link is in the same text. I'll check in tomorrow morning if anything's still missing.
After the call: Jordan uploads the notice of assessment that night and the signed gift letter the next morning. Both show as received on the file, and his agent sends them to the lender Tuesday, a day ahead.
What your team gets
- Outstanding documents named one by one on each file
- Uploads checked for the right document and year
- Conditions cleared before the lender's deadline
- Stuck borrowers flagged to their agent the same day
- Fewer evenings spent chasing paperwork
Questions
Will it pressure borrowers?
No. It calls about something real with a date, explains it simply, and checks back once. A borrower who's stuck is handed to their agent.
Can it tell which document came in?
Yes. It checks the upload is the document and year asked for, and calls back if it isn't.
Does it read anything sensitive aloud?
It names the documents and dates. Account numbers and amounts beyond what's needed stay on the file.
Hear it on your phone
Request a demo call and the agent phones you, set up for mortgage brokers like yours.