The brokerage where documents arrive complete and clients know the status before they ask.
Mortgage and loan brokers spend most of their time on documents: requesting, checking, re-requesting, passing them to the lender, informing clients. MODUS turns that into an AI-operated workflow that builds on your platform and frees advisors for advice and closing.
Where time is lost today
Every lender wants different documents in a different form, and the list keeps changing.
Incomplete submissions lead to lender queries and delay the approval by days.
Clients ask for status because they have no other way of finding out.
Refinancing and prolongations fall through because nobody reminds anyone in time.
Workflows we start with
This is the target split the diagnostic verifies and the sprint builds. Every workflow starts in approval mode; the second column shows what stays with your team.
Requesting and checking documents
Target: the systemBuilds the document list per lender and case, checks incoming documents for completeness, legibility and plausibility, re-requests precisely.
Stays with youJudgment on borderline cases and advice on the financing structure.
Self-disclosure and application preparation
Target: the systemTransfers details from documents into the self-disclosure and application, detects contradictions, prepares the submission.
Stays with youReview, product choice and submission to the lender.
Lender queries
Target: the systemCaptures lender queries, requests missing documents from the client, follows up, reports completion.
Stays with youNegotiation with the lender, the decision on terms.
Status updates to clients
Target: the systemInforms clients proactively about every step, answers standard questions, escalates when advice is needed.
Stays with youThe advisory conversation, closing, approval.
Aftercare and refinancing
Target: the systemDetects expiring fixed-rate periods, prepares outreach and documents, reminds in time.
Stays with youAdvice on refinancing.
We work inside your systems
No new platform, no migration. The workflow is built around the tools you already use, for example:
- Europace, Baufinex, eHyp
- Starpool, Prohyp and distribution platforms
- CRM and client portal
- Email, upload and messengers
- Lender portals and forms
- Document management
What is not delegated
Advice, product recommendation and submission to the lender stay with the broker licensed under § 34c or § 34i GewO. Advisory and documentation duties and the GDPR determine what is processed. The system checks, prepares and follows up; it does not advise.
Other industries
- Tax advisorsDocument intake, completeness, deadlines and client communication as an operated workflow around your DATEV environment.
- Law firmsClient intake, file creation, deadlines, status requests and brief preparation with beA and practice software.
- Insurance brokersClaims intake, portfolio maintenance, policy changes, annual reviews and documentation with your broker management system.
- Financial advisorsOnboarding, suitability and documentation, service cases, reporting and annual reviews as an operated workflow.
The first step
An operational diagnostic for one workflow: economics, participants, systems, constraints. Afterwards you know whether and how the transformation pays off.
Or by email: hallo@nicolaischmid.com