Loan conditions tracker
Every closing condition on every loan file tracked, each new document matched to the condition it answers, and borrowers and brokers chased for the rest. Clearing stays with the underwriter.
Twenty conditions, a Friday close. Documents read, not just filed.
Here’s a typical run, step by step: what automation handles, what the agent does, and the calls that stay with your team.
Step 1 of 4Match it to a condition
The agent
Opens the attachment, sees it’s the appraisal for the Bayline property, and ties it to the value condition on 24-1175.
Emails say “see attached” and files arrive as scan_0412.pdf. Only the pages say which condition it answers.
Automation
Files the appraisal against that condition in the LOS and marks it received.
Once the condition is known, the document has one place to go.
- Shared inbox
- Borrower portal
- LOS
~35 hours a month back
Step 2 of 4Read it against the ask
The agent
Reads the appraisal against the condition: $1.85M, where 75% loan to value on $1.4M needs $1.87M.
Conditions are written as sentences. “Lender named as mortgagee” means reading the binder, not spotting a file.
- LOS
- LOS
~40 hours a month back
Where teams differMost lenders pick conditions from a standard list. Some let each underwriter write their own.
Step 3 of 4Underwriter’s call
Automation
Puts the value condition in front of the underwriter with the appraisal, the loan amount and the math beside it.
$1.85M against $1.87M is short, and short goes to the underwriter by rule.
Your teamIf a document falls short
Approves an exception, cuts the loan to $1,387,500 to hold 75%, or sends questions back on the appraisal.
Value short of the loan-to-value test is a credit call. The math measures the gap. Only the underwriter can accept it.
- LOS
- LOS
~10 hours a month back
Step 4 of 4Chase what’s still out
Automation
Nudges the borrower or broker in the thread they already use, and sends your closers a morning list of what’s left by Friday.
Each condition names who owes it, so the reminder goes to them without anyone deciding.
- LOS
- Shared inbox
~30 hours a month back
Where teams differClosing week is where teams split: daily reminders for some, one email and then a call from the closer for others.
What changes
Each document is filed to the condition it answers and read against it. Closers get a morning list of what’s left, and the underwriter sees what falls short.
- 3steps automated
- 2steps for the agent
- 1call kept with your team
Pick any step to see what happens there and why it sits in that lane.
What it could be worth
~115 hours a month back
$82,800 a year in time
For a lender closing about 40 loans a month, each carrying twenty or so conditions, at $60 an hour. We work out yours from your own volumes before you sign.
Let’s build your agentOne proven agent, plugged into how you work.
Every team does this job a little differently, so we set these five with the people who do it today. We’ve done this in dozens of businesses, so we know where teams usually differ and ask about those first.
The agent
Same for every client- Follows the same proven steps
- A person on every exception
- Every decision logged
- Tested on your past work first
- Never clears or waives a condition
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Your systems
Where the work comes in, and where the result goes.
For this agentLoan files from your LOS, documents from your inbox and borrower portal.
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Your rules
The limits and exceptions it works to.
For this agentWhat each condition has to show, and who can clear or waive it.
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Your team
Who signs off, and who covers when they’re away.
For this agentThe underwriter for every clear, the closer for the closing date.
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Your channels
Where your team hears from it.
For this agentReminders to borrowers and brokers by email, a daily list for your closers.
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Your output
What it hands back, in the format you already use.
For this agentA conditions list for every file, each item received, chased or waiting.
KYC refresh is its own agent in this catalog. Ordering appraisals and title is quoted on its own, and credit decisions stay with your underwriters.
The agent, and everything that keeps it working.
- The agentRunning on your systems, under your rules.
- The review screenWhere the exceptions land for your closers and underwriters.
- Your rulebookYour limits, exceptions and who signs off, in one place, often for the first time.
- A test reportYour past closing conditions, run through it and checked against the number.
- The runbookHow it works, what to check, and what to do if it stops.
- 30 days of tuningAfter it goes live, through a full month of your real closing conditions.
Days from a condition being set to its document on file. We measure it before we start, and again at day 30.
Live in 3 to 6 weeks. About seven hours of your time.
We do the building. Your side: access, the conditions lists from your last twenty closed loans, and a short weekly check-in.
Then 30 days of tuning, with a short check-in each week, about two hours of yours. At day 30 we show you the number and hand everything over.
It keeps running whether or not we stay.
It runs in your accounts
Your cloud, your systems, and an AI account in your name, billed by the provider at their rates.
Changes in the first 30 days are included
A new rule, a changed limit, someone new signing off. That’s what tuning is for.
After that, your call
Your team edits the rulebook, the care plan covers it, or a bigger change is quoted first.
About this agent.
Does it clear conditions itself?
Can it chase brokers as well as borrowers?
Our process isn’t quite like this. Will it still work?
How do we agree the number?
What does it cost to run once it’s live?
Want every file at the closing table with its conditions in?
Tell us how your team handles closing conditions today. We’ll show you this agent on examples like yours, and whether it fits the fixed price.
- 3 to 6 weeksto live, then 30 days of tuning
- $12,500fixed, per agent
- Yours to keepno license fees