Mortgage files ready for review.
Klarefi is an AI intake agent for mortgage lenders, brokers and advisers. It reads the documents, asks for missing items and links each fact to its source. Your team keeps the advice and the lending decision.
How can AI help with mortgage document collection?
Klarefi collects answers and documents through your mortgage intake form. It reads the income, identity and property details and asks for missing items while the applicant is still there. Each document fact links to its source. Brokers and advisers use the file for advice and lender submission, and lenders use it for underwriting. Your team sets what it needs and keeps every advice, affordability and lending decision.
One file, for your part of the process.
Examples of how each team can set up its intake. They are not customer results.
Brokers and advisers
Your checklist asks for three payslips and only two arrive, so Klarefi asks the applicant for the third. Your adviser reviews the file before recommending a product or submitting it to a lender.
What Klarefi reads and cites
- Client fact-find
- Payslips or accounts
- Bank statements
- ID and deposit documents
Mortgage lenders
The income on the application and the income in the documents sit side by side, each with its source. Any open question stays in the file, and your underwriter decides if the loan is affordable.
What Klarefi reads and cites
- Application or broker submission
- Income evidence
- Property valuation
- Supporting correspondence
Self-employed applicants
Your team sets the periods and documents it needs. Klarefi checks what arrived against that list and asks for any missing period, and a specialist assesses the income.
What Klarefi reads and cites
- Accounts
- Tax documents
- Business bank statements
- Company details
From documents to a cited file.
Set your requirements
Import your current form and define the facts and checks for one mortgage workflow.
Collect and follow up
Klarefi reads each document as it arrives and asks the applicant for what is missing.
Review the evidence
Your team gets each fact with its source, the check results and the open questions. Advice and lending decisions stay with people.
Your team keeps the judgment.
Security and data processingSources for document facts
Open the document at the cited line to check a value.
No mortgage advice or approval
Klarefi prepares the file. Advisers advise and lenders decide.
Data handling you can review
Hosted documents are stored in the EU. The AI that reads them runs at model providers in the US and other countries, listed on the security page.
Questions mortgage teams ask.
Plan your mortgage intake.
Try your mortgage intake form.
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Free to start, no credit card.