Chase Mortgage Documents with SMS, Text & WhatsApp from Salesforce
Your loan processor spent Tuesday afternoon chasing pay stubs from eleven borrowers. Same email they sent yesterday. Same follow-up call they made Monday. Your automated SMS, text and WhatsApp chase hits all eleven in the time it takes her to pour coffee.
Why document collection is the silent productivity killer
Your average mortgage loan needs 14 documents from the borrower. Your average borrower provides 9 on the first ask. Your loan processor spends hours every week chasing the remaining 5, pay stubs, bank statements, tax returns, employment verification, identity documents.
Your version is not complicated work. It’s just relentless. Email gets ignored. Voicemails go unheard. The borrower eventually sends the document, but the loan’s closing date slips by three days and your pipeline metrics take a hit.
Automated SMS, text and WhatsApp reminders from Salesforce Flow
Your Salesforce loan object tracks which documents you’ve received and which you haven’t. A scheduled Flow runs every morning at 9am and checks for loans with outstanding documents. For each one, it fires an SMS, text or WhatsApp reminder to the borrower with a secure upload link.
Your day 1: “We still need your 2 recent pay stubs, upload here.” Day 3: “Friendly reminder, pay stubs still outstanding.” Day 5: “Your closing date is at risk, please upload your pay stubs today.” Each reminder references the specific document. Each link opens the right upload form. Each reply logs to the Salesforce loan record.
Agentforce AI agents handling the replies
Your borrower replies to the WhatsApp reminder: “what exactly do you need? Just the last two months?” Your Agentforce AI agent answers: “Yes, your two most recent pay stubs, the last two paycheques from your employer. Upload them at the link above, or send them as photos in this chat.”
Your loan processor never sees the question. The borrower gets the answer in 8 seconds. The document arrives 20 minutes later. None of this required human attention.
Multimedia on WhatsApp, the feature that actually closes loans
Your lot of borrowers don’t have a laptop. They have a phone. They don’t want to email scanned PDFs, they want to snap a photo. Your AI SMS House messenger accepts photo attachments on WhatsApp, stores them to the Salesforce loan record as Files, and marks the document as received.
Your processor sees a tagged, filed photo of the borrower’s pay stub on the Salesforce record within minutes of the reply. No email scraping. No manual file naming. No “did we get that one?” conversations.
What this changes on a 200-loan pipeline
You run twenty loans per loan processor with ten processors, that’s 200 active loans. At 5 outstanding documents per loan, that’s 1,000 open document requests at any given time. Manual chase touches each one 2 or 3 times before completion. Automated chase hits every one, every day, with zero human effort.
Your processors stop chasing and start underwriting. Your closing times drop by 2 to 4 days on average. Your pipeline-to-close ratio improves because fewer loans stall waiting for a document nobody’s actively requesting.