Guide · Updated October 2026
An AI That Chases the Lender for Loan Documents, So You Don't Have To
Between contract and closing, the slowest part of most deals is a lender who has gone quiet. An assistant can take that chase off your plate: keep the list of what is owed, ask the lender for it in the deal thread, and text you when something is late. Sifta does this by text, and you approve what goes out.
What goes wrong between contract and closing
Nobody is paid to watch the calendar, so the appraisal, the conditions and the clear-to-close all slip quietly.
You have five or six people on every deal: the buyer, the lender, the title company, the co-op agent, the inspector. Each one is waiting on someone else.
The lender needs updated pay stubs, the buyer thinks they already sent them, and the appraisal is sitting in a queue nobody has mentioned. Most of the time you find out on the day something was due.
- Appraisal ordered late, or the report arrives and nobody says so.
- Conditions requested by underwriting that the buyer never saw.
- A clear-to-close that comes one day after the contract deadline.
- A rate lock that expires while the file waits on one document.
What an assistant should do about it
Keep the list, do the asking, and tell you only when something is late.
| Job | What it looks like |
|---|---|
| Keep the list | Every deal has its own list of what is owed, by whom, and by when: appraisal, conditions, title, clear-to-close, closing disclosure. |
| Do the asking | A short, polite note to the lender in the deal thread when a date is close or passed, in your words. |
| Read the replies | When the lender answers, the list updates and you get one line, not the whole thread. |
| Flag what is late | A text to you the moment a deadline slips, with the next step suggested. |
| Write it down | The status lands in your CRM so the file is current when anyone asks. |
How Sifta chases the lender
Add Sifta to the deal's group chat, tell it the dates, and it keeps the file moving.
Sifta sits in your deal group chats with the lender, the title rep and the client. It knows the contract dates because you told it once.
When the appraisal is due and nothing has arrived, it drafts the nudge to the lender for you to approve. When the lender replies, Sifta reads it, updates the deal and texts you one line: appraisal back, came in at value, conditions due Thursday.
A typical exchange looks like this. You: "Where are we on the Jeffersons' loan?"
Sifta: "Appraisal came back Tuesday at value. Underwriting wants two things from the buyers by Thursday, updated bank statements and a letter on the deposit.
I drafted a note to Mark at the lender asking for a status on Friday. Want me to send it?"
Sifta is a personal AI assistant for realtors. It runs the busywork of your business, so you can spend your time with clients.
What it should never do
An assistant should not call the lender, promise the buyer a date, or sign anything.
Sifta does not make phone calls, and it does not send anything to a client without your approval. It does not do compliance paperwork and it is not a transaction coordinator who takes legal responsibility for the file.
It is the one who watches the dates and does the asking, so you spend your time with the people in the deal instead of chasing them.
Other ways to get this done
A human transaction coordinator, a CRM reminder, or you at 9 pm. Each has a cost.
| Option | What you get | What it costs you |
|---|---|---|
| A transaction coordinator | A person who owns the file and the paperwork | A per-file fee or a salary, and a handoff for every deal |
| Serif (serif.ai) | An email agent that chases people for paperwork, reads what comes back and follows up until the file is complete; sold to brokerages and offices for closing files | Runs in a shared inbox, not your texts; pricing is not published |
| CRM task reminders | A reminder that something is due | You still write the email and chase the reply |
| Doing it yourself | Full control | Evenings, and the deals you are not working on while you chase this one |
| Sifta | The list, the asking and the status, by text | One flat monthly plan, no per-file fee |
Frequently Asked Questions
Can an AI really chase a lender for loan documents?
Yes, in the deal thread. It keeps the list of what is owed, drafts the nudge when a date is close, reads the lender's reply and tells you the status. Sifta does this by text, and you approve anything that goes out.
Will it text my lender without asking me?
No. Sifta drafts the note and sends it when you say so. Once you have approved the pattern for a deal, it keeps you in the loop with one line per update.
Does it replace a transaction coordinator?
Not the paperwork or the responsibility. It covers the watching and the chasing, which is the part of a TC's job that eats the most hours. Many agents use both.
What does it track on a deal?
Contract dates, the appraisal, underwriting conditions, title, the clear-to-close, the closing disclosure and anything else you tell it to watch.
Does it work with my CRM?
Sifta writes deal status back to Follow Up Boss and the CRM you already use, so the file is current when anyone looks it up.
Related reading
Three ways in
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