Q: How does AI Smart Docs handle client documents?

AI Smart Docs is Harvey’s document intelligence. The moment a client uploads — a Notice of Assessment, T4, bank statement, or ID — it reads and classifies the document, extracts the key fields, and validates them against what the file needs. Anything missing, expired, or inconsistent gets flagged immediately, so you chase the right document once instead of discovering a 38-day-old pay stub at submission. It feeds straight into AI Underwriting so the version that hits the lender is clean on the first try.

Question 1

Did you really build this in-house or is it white-labelled?

Accepted Answer

Built in-house. Mortgage360 is our own platform — agent CRM, deal pipeline, document collection, e-signature, commission accounting, and the two AI agents. We integrate with Scarlett and Filogix for lender submissions because that&rsquo;s where the lenders are, but the agent experience is ours, designed around how Canadian mortgage agents actually work.

Question 2

What does Maya actually do for me as an agent?

Accepted Answer

Maya is the client-facing AI. She handles inbound chat, voice calls, and email 24/7 in 50+ languages. Pre-qualifies leads, answers FAQs, runs rate scenarios, books your calendar, and hands off to you with full context when a human is needed. Most agents save 8-12 hours/week on client questions that don&rsquo;t need a human.

Question 3

What does Harvey do?

Accepted Answer

Harvey is the back-end engine — AI Underwriting, AI Smart Docs, and AI Compliance in one. AI Underwriting briefs your files in 30 seconds, matches each prospect to top-3 lenders based on file characteristics + lender appetite that day, drafts client emails and messages, and watches for conditions you&rsquo;re likely to need. AI Smart Docs reads, classifies and validates every uploaded document and flags what&rsquo;s missing, expired or inconsistent. AI Compliance scans every file for AML/FINTRAC red flags, suitability obligations, and B-20 stress-test math, cross-references your client&rsquo;s file against the lender&rsquo;s underwriting checklist before submission, and flags missing disclosures. Harvey doesn&rsquo;t replace your judgment or make compliance decisions — it removes the 2-hour file prep and makes sure you don&rsquo;t accidentally skip a step that triggers an audit.

Question 4

How does AI Smart Docs handle client documents?

Accepted Answer

AI Smart Docs is Harvey&rsquo;s document intelligence. The moment a client uploads — a Notice of Assessment, T4, bank statement, or ID — it reads and classifies the document, extracts the key fields, and validates them against what the file needs. Anything missing, expired, or inconsistent gets flagged immediately, so you chase the right document once instead of discovering a 38-day-old pay stub at submission. It feeds straight into AI Underwriting so the version that hits the lender is clean on the first try.

Question 5

What is RatePulse?

Accepted Answer

RatePulse is our live AI rate engine — real-time rates across 100+ lenders, continuously updated. It powers the live rate board your clients see and the quotes you pull inside Mortgage360, so the number you&rsquo;re quoting reflects the true market that day, not a stale posted rate. When Maya runs a rate scenario or Harvey matches a file to best-fit lenders, RatePulse is the pricing underneath.

Question 6

Do I get a personal website?

Accepted Answer

Yes — agent subdomain live within 24 hours of joining. SEO-optimized for your city + niche. Your bio, photo, contact form, blog, calculators, and licensing all live there. URL is firstname.mortgagesquad.ca or your custom domain if you prefer. Most agents start ranking on Google for their name + city within 30-60 days.

Question 7

How does the platform integrate with Scarlett, Filogix, and the lenders?

Accepted Answer

Scarlett 2-way sync — applications submitted from Mortgage360 flow into Scarlett, status updates flow back. Filogix submission with auto-formatted documents. Direct API integration with our 5 most-used lenders for status pings. Maya/Harvey pre-screen so the version that hits the lender is clean on the first try.

Question 8

What about CRM, calendar, and email?

Accepted Answer

Built-in CRM with pipeline kanban, contact history, document storage, and Maya conversation logs. Cal.com integration for booking. Twilio + Vapi.ai for inbound voice. Native Gmail/Outlook sync. Mobile app for iOS and Android (we eat our own dog food — Harvey-on-mobile is how most agents check files at red lights).

Question 9

How is data privacy handled?

Accepted Answer

PIPEDA-compliant infrastructure. Canadian-resident data centres. Client docs encrypted at rest and in transit. Role-based access — agents only see their own files unless team-shared. FINTRAC reporting is automated where required and audit-logged everywhere. We&rsquo;ve been through 2 third-party security audits in the last 24 months.

Question 10

What if I prefer a different CRM?

Accepted Answer

We support GHL (GoHighLevel) for agents who already have a flow there — 2-way sync from Mortgage360. Some agents export to HubSpot or Salesforce; we provide the export. The Maya/Harvey AI layer works regardless of which CRM you use, because they tie into the deal data, not the front-end CRM.

Technology that works as hard as you do.

Each one does its job. Together, they redraw your week.

Maya · AI Mortgage Advisor

Harvey · AI Underwriting, Smart Docs & Compliance

A full AI suite across your whole workflow.

AI Mortgage Advisor (Maya)

AI Underwriting (Harvey)

AI Smart Docs (Harvey)

AI Compliance (Harvey)

AI-based CRM (Mortgage360)

AI Social Media Management

RatePulse — live AI rate engine

What a typical interaction looks like.

Everything you need, on one screen.

What else ships with your portal.

Personal SEO-optimized subdomain

AI Social Media Management

Maya-powered SEO content engine

Mortgage Squad Advisors Academy LMS

Common questions about the tech stack.

Want a live demo of Mortgage360?

More on what makes Mortgage Squad Advisors different.