A mortgage file moves at the pace of the documents received. Pay stubs, notices of assessment, statements, proof of down payment: a single missing document can hold up the entire application.
A clear list from day one
Give the client a precise list tailored to their situation (employee, self-employed, newcomer), with an example of each document expected.
A secure upload space
Avoid documents sent by email. A secure space where clients upload their documents, and where you validate them one by one, better protects their information.
Visible steps
Application received, documents verified, review, lender decision, closing. The client sees where their file stands and knows what's expected of them.
Automatic reminders
As long as a document is missing, a courteous reminder goes out regularly. You no longer spend your days chasing documents.
Stay in touch after funding
An automatic reminder before the mortgage renewal is an excellent opportunity to reconnect with a satisfied client.
Compliance
Mortgage brokers in Quebec are regulated by the Autorité des marchés financiers. Your tools must meet your record-keeping and personal information protection obligations.
