IND-01-P01Friction
Chasing the borrower
You send the list, they upload half of it, you follow up by email, text and phone. Every reminder is time you don't spend originating.
Industry sheet · IND-01 · Mortgage loan file
A complete loan file before it goes to processing
A loan lives or dies on its documents. A bank statement missing page 3 of 4, a pay stub older than 30 days, a W-2 from the wrong year: processing kicks it back, conditions pile up, and the closing date slips. dossaia checks each document the moment the borrower uploads it, and keeps following up as long as something is missing.
Mortgage loan officersAvailable
The daily grind
What's costing you time today
IND-01-P02Friction
Documents that look fine but aren't
A statement with a missing page, a pay stub without YTD earnings, an expired driver's license. You only spot it when the file is being set up.
IND-01-P03Friction
Conditions after submission
Every document that comes back as a condition adds days to the file, and sometimes puts a rate lock at risk.
Checklist
Mortgage loan file: the documents the AI checks
Provided by default, fully adjustable. For each document, the agent checks it's present, legible, from the right period and in the right name.
dossaia checks that documents are complete, legible and consistent. It never assesses creditworthiness, ability to repay or debt-to-income, and makes no lending decision: underwriting and approval remain entirely with the lender and the loan officer.
IND-01 · File documents
08 documents- 01
Government-issued photo ID
Driver's license or state ID (front and back), or US passport; valid, not expired.
- 02
Pay stubs, most recent 30 days
Consecutive stubs in the borrower's name, with pay period, gross pay and YTD earnings.
- 03
W-2 forms, last 2 years
One per employer, for each of the last 2 tax years.
- 04
Bank statements, last 2 months
Every account used for down payment and reserves, all pages, including blank ones.
- 05
Federal tax returns (Form 1040), last 2 years
All pages and schedules. Usually required for self-employed, commission or rental income.
- 06
1099 forms, last 2 years
If the borrower has contract, interest, dividend or retirement income.
- 07
Signed purchase agreement
Fully executed, with all addenda (purchase loans).
- 08
Gift letter
If part of the down payment is a gift: donor, relationship, amount, no repayment expected.
How it works
From request to a complete file
- 01
You open the file
Borrower name, loan file type. The document checklist is generated.
- 02
The borrower uploads their documents
One secure link, no account to create. From their phone if needed.
- 03
The AI reads each document
Present, legible, from the right period, in the right name, all pages. Anything wrong is flagged and the borrower gets a precise reminder.
- 04
You receive a file that's ready
Notification when everything is compliant, cross-checks (names, pay stubs vs. W-2) and a clear summary. You review and submit.
FAQ
Before you start
Does the AI judge my borrower's creditworthiness?
No. It checks that the requested documents are there, legible, recent and consistent with each other. It gives no opinion on the loan and makes no credit decision.
Does it replace my LOS?
No. dossaia handles document collection and checking before the file goes into your loan origination system. You export a ZIP with renamed documents, a checklist and a PDF summary.
Can I adjust the document list?
The mortgage checklist is provided by default, with optional documents for self-employed borrowers, gifts and purchases. The Firm plan adds custom checklists for your programs.
Does my borrower have to install anything?
No. They receive a link and upload from any device, no sign-up.
Register
Other industries
Process your first file for free
3 free files, no credit card. The AI checks, you approve.