Turn more borrower opportunities into funded loans.
Hire AI Loan Officers and Loan Processors to carry the work from first inquiry through funding and getting your brokerage paid. Fastyr manages their onboarding and improvement. You delegate the job.
From first inquiry to getting paid.
Your Loan Officer and Loan Processor share one file. Each stage has an owner who carries it forward and hands it on with context.
- Stage 01 of 06BorrowerPreapprovedBanksLoan Officer
Keep the borrower moving
Learns what the borrower needs, then keeps them moving to contract.
Your Loan Officer responds to leads, follows up by phone, email and text, answers questions and makes promised callbacks. It learns the payment the borrower can live with, the cash they need to retain and how long they expect to hold the loan. Planning to repay when their old home sells? That changes which structure makes sense.
- Lead answered by phone, email and text
- Payment, cash and hold period recorded
- Context carried into the shared file
- What payment can you live with?
- How much cash do you need to keep?
- How long will you hold the loan?
- Repay when the old home sells?
- Promised callback, 10 AM
- Preapproved, waiting on contract
- Stage 02 of 06FileIncome verifiedPennyLoan Processor
Get the file right
Every request moves the file forward.
A submitted application can still have missing income, assets, liabilities or authorization. Your workers ask for the answers needed next, follow up with the co-borrower holding the documents and acknowledge what’s arrived, so each request moves the file forward.
- Missing pages caught on upload
- Reported and verified figures separated
- Qualifying income calculated
- Missing page 3
- Co-borrower documents
- Reported vs verified
- Employer benefit, not bonus
- CPA answers requested
- Qualifying income calculated
- Stage 03 of 06RouteLock confirmedBanksLoan Officer
Find a workable route
Finds a route that fits the borrower’s goal.
Your Loan Officer compares products, current pricing and lender-specific requirements with the borrower’s goal. It checks published eligibility alongside each lender’s overlays. If the first route fails, it investigates alternate lenders, structures, gift funds or credit improvements, explaining the costs, payment and cash retained.
- Products and pricing compared
- Lender overlays checked
- Authorized rate lock confirmed
- Published eligibility
- Lender overlays
- Alternate lender
- Gift funds
- Credit improvement
- Lock-desk cutoff
- Stage 04 of 06ConditionsClear to closePennyLoan Processor
Get conditions accepted
Received isn’t accepted. Every condition gets closed.
Your Processor coordinates submission to the selected lender, keeps document versions current and moves borrower, title, escrow, insurance and appraisal follow-up in parallel. It checks what the lender has accepted, so a received document doesn’t leave a condition quietly open.
- Submitted to the selected lender
- Verbal verification documented
- Accepted by the lender, not just received
- Written VOE received
- Verbal VOE documented
- Title follow-up
- Escrow follow-up
- Insurance binder
- Appraisal response
- Stage 05 of 06ClosingFundedPenny+ BanksProcessor and Loan Officer
Carry closing through funding
Carries new timing through every dependent step.
Your Processor obtains outstanding fees, reconciles settlement versions and checks vesting and payout allocations. When closing moves, it gets insurance effective dates adjusted and carries the new timing through dependent work.
- Settlement versions reconciled
- Insurance dates adjusted
- Disbursement confirmed
- Outstanding fees
- Settlement versions
- Vesting checked
- Insurance effective date
- Proof of funds
- Disbursement confirmed
- Stage 06 of 06PaidPaidPenny+ BanksProcessor and Loan Officer
Get the brokerage paid
Tracks compensation until it’s actually received.
Your Processor tracks lender-paid compensation and separately identified reimbursements, obtains remittance details and reconciles actual receipt. It follows up on missing or incorrect payment and retains the supporting evidence in the final compliance file.
- Lender-paid compensation tracked
- Actual receipt reconciled
- Evidence kept in the compliance file
- Lender-paid compensation
- Reimbursements
- Remittance details
- Receipt reconciled
- Compliance file
- Past-client follow-up
Meet the worker. Understand the job.
What do you need this worker to own? Read the responsibilities and bring a real situation. Ask about the work from the first request through its handoffs, decisions and completion.
Work in your existing tools.
Each worker has its own computer, email and phone number. They use assigned accounts in your LOS, CRM and lender portals, following your workflows in systems such as LendingPad, Floify and Big Purple Dot.
Interview your next AI Loan Officer or Loan Processor.
Bring a stalled or difficult file. Ask how they’d move it forward, and where they’d involve you.
