Get complete borrower documents on the first request
Send each borrower a private link with your conditions list: pay stubs, W-2s or T4s, bank statements, ID and gift letters. Every upload is checked for dates, missing pages and the borrower's name before it reaches your processor.
Loan application docs
What your customer sees
Pay stubs, W-2s or T4s, bank statements, ID and gift letters for every borrower, checked before they reach processing.
- Statements dated in the last 60 days
- Every statement page included
- Borrower's name on each document
Deleted when the file is complete
Loan application docs
Customer checklist
Pay stubs · last 30 days
2 stubs · YTD income shown
- !
Bank statements · 2 months
Page 3 of 5 is missing
W-2s · 2 years
2024 and 2025 · name matches
Gift letter
Signature needed
Why collecting is hard
Missing pages and stale statements
A bank statement without page 3, or pay stubs that went stale while the file sat. Each one means another request and another delay.
Borrowers do not know what counts
Screenshots instead of statements, an online banking summary instead of the full PDF, an unsigned gift letter. Borrowers need clear instructions and examples.
Conditions pile up near closing
Underwriting conditions arrive late, and chasing borrowers by phone and email takes time loan officers should spend on new applications.
What you can collect
Start from a ready-made checklist and adjust it. Each item can have its own rules, examples and forms.
- Pay stubs
- Set the count and window, such as 2 stubs from the last 30 days. Older stubs are flagged right away.
- W-2s or T4s
- Two years, checked for the borrower's name and the right tax year on each.
- Bank statements
- Every page required and dated in the last 2 months. Missing pages are caught on upload.
- Government-issued ID
- Front and back, checked for a matching name and expiration. You can exclude IDs from AI checks.
- Gift letter
- Attach your template as a fillable PDF. The donor fills it in and signs with a drawn signature.
- Tax returns
- For self-employed borrowers, every page of the last two years, collected as one item per year.
- Employment and property questions
- Employer, start date, purchase price and occupancy, as text, date, number and choice questions.
The AI agent does the chasing
The AI collection agent emails each borrower their conditions list, answers questions like which statements to send, and paces reminders to your closing date. Borrowers can reply with documents attached and the agent puts them under the right condition. When a borrower asks about rates or approval, it hands off to the loan officer.
Frequently asked questions
- Does Tangentflow work for both US and Canadian borrowers?
- Yes. You build the checklist, so it can ask for W-2s or T4s, and any other documents your lenders require.
- Can I add a new condition after the first request?
- Yes. Add an item to the request and the agent lets the borrower know what else is needed.
- Can the agent answer questions about my rates or approval?
- No. It answers questions about what to upload and how. Anything about the loan itself is handed to you.
- How do documents get to my LOS?
- Download a ZIP, send files to Google Drive, or post them to your system with a webhook. There is no direct LOS integration.
- How long are borrower files kept?
- Files are deleted automatically after the request is complete or the retention period ends: 7 days on Free and 60 days on Pro.