Mortgage Brokerages
File processing from intake to lender-ready submission, without adding headcount.
Re-engage the borrowers who went quiet
Follow-up that actually happens
Most files do not die on rate. They die because nobody followed up on the fourth day.
Before the file goes cold
A borrower who stops answering gets reached before the deal is gone.
Collect the documents
It does the chasing
Requests, reads and verifies every document, and follows up over email, text and WhatsApp.
Wherever the borrower actually replies
Email, phone, text and WhatsApp. The assistant follows up on the channel that gets an answer, not the one that suits us.
Read every document, not just collect it
Fields pulled and cross-checked
Every document is read and its figures checked against what the application already claims.
Contradictions surface on your side
An address that does not match, or income that disagrees with the T4, is caught before the lender ever sees the file.
Submit a package the lender can ingest
MISMO 3.4 or the lender's own format
Application data and documents assembled the way each lender actually wants to receive them.
Validated before it goes
Nothing missing, nothing that fails schema validation, and no second request for a document you already sent.
Upload the lender's conditions and Sphera clears them
Every condition tracked to cleared
Drop in the commitment letter. Each condition becomes a tracked item that gets worked until nothing is outstanding.
Faster to funding
Conditions are the last mile, and clearing them quickly is what your borrower actually experiences.
Run one live file with us
Hand us one file after the first client call. You get back a submission-ready package.