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First Coast AI LOA

Thinking about hiring an LOA?

Every First Coast loan officer already has one.

Every First Coast loan officer has an AI LOA that records and summarizes your calls, starts the loan file, reviews every document that comes in, and drafts the email to your borrower for you to approve. You build the business. It handles the minutia. You still make every call.

Start a confidential conversationSee what comes off your desk
  • Company-provided. NO COST TO YOU
  • Save hours on your files
  • Nothing goes without you!

See it work

Watch it work a file.

One 60-page PDF

It splits, sorts, and matches every document.

Which needs are done?

It matches the needs list to the documents.

The 1003 vs. the pay stub

It proposes the fix with the page that proves it.

Schedule C income at 11 PM

Form 1084 method, every number linked to the return.

The same missing-items email

Drafted in your voice. You hit send.

Demo files and role-play calls only. No real borrower data is shown.

Want to see it work one of your files?

Start a confidential conversation

The minutia

Here's what comes off your desk.

Every loan officer knows these. They eat the day, and none of them build the business.

The way it used to go

Retyping the 1003 after an application call.

Now:

it sets up the ARIVE loan and imports the 1003 from the conversation.

The way it used to go

Schedule C income at the kitchen table at 11 PM.

Now:

it calculates income using the Fannie Mae Form 1084 method, every number linked to the return.

The way it used to go

The large deposit underwriting found two weeks before closing.

Now:

it tests every bank statement on day one.

The way it used to go

One 60-page PDF with everything in it.

Now:

it splits, sorts, and matches every document to the right borrower.

The way it used to go

Writing the same missing-items email again.

Now:

it drafts it in your voice. You hit send.

The way it used to go

Two hundred calls a year and never reviewed one.

Now:

every call is scored and coached.

Part one: your calls

Hang up. The loan file is already started.

  • Records your borrower and Realtor calls. You keep your own number.
  • Transcribes and summarizes every call. Searchable, with speakers labeled. You listen instead of taking notes.
  • Syncs every call to CORE, which fires the follow-up text, the next step, and the Realtor update.
  • Adds the call summary as a note on the ARIVE loan.
  • After an application call, it checks ARIVE for an existing loan, creates the loan if there isn't one, imports the 1003 from the conversation, builds the needs list, and drafts the needs email for you to approve.
  • Exports MISMO 3.4 straight from the call.

Every call gets coached

  • Scored against a scorecard, with the exact part of the transcript it matched.
  • Flags do-not-call requests, missed disclosures, a missing recording notice, missing credit consent, and rate quoting.
  • Coaching notes on every call: what went well and what to do differently next time.
  • Your manager leaves timestamped comments. Click one and jump to that moment in the call.
  • Leaders see the calls that need attention. Nobody has time to listen to every call. It does.

Part two: your files

It reviews the whole file before you open it.

An underwriting-style review that runs automatically for every First Coast loan officer when documents land, day or night. You can also run it by hand any time.

A seven-section report on every file

1

File summary

2

Document review

3

Income calculation

4

Monthly cash flow

5

Large deposits

6

Assets

7

Open items

Income, with the math shown.

Year-to-date annualizing and Schedule C self-employed income, every number linked to the page.

The 1003 vs. the paperwork.

When a value is different or a field is empty, it proposes the fix with the page that proves it.

Scrubbed against our SOP.

Built from First Coast's own pre-approval 1003 checklist, with web lookups for the tax bill, employer, and property value, each with a source link.

Chat with the file.

Type or talk. "What's still missing on this file?" It reads the file, answers, adds the missing needs, and drafts the borrower email.

It writes like you.

It learns your style from your own sent mail and saves borrower emails as drafts in your inbox. You read it. You send it.

Teach it your rules.

Tell it in plain words, like "I want every page of every bank statement." Accept the rule and every later review follows it. No ticket. No waiting on IT.

Guideline lookup with citations (FHA and Fannie Mae)
Every document foldered and named, one zip to download
Sets its own borrower follow-up schedule
MGIC income workbook export

Guardrails

You’re still the loan officer, and now you get to spend your day like one!

Your AI LOA does the file work, so when a borrower or Realtor needs you at 7 PM, you’re the one with the answers. It flags, calculates, drafts, proposes, and checks the work, but you're there to continue making every decision.

How it works

  1. 1

    Documents arrive.

    From your ARIVE loan, your Outlook inbox, text messages with attachments, or a manual upload.

  2. 2

    It reads every page.

    Splits the packet, sorts each document into about 40 mortgage document types, matches it to the right borrower, and pulls out the names, dates, and amounts.

  3. 3

    It does the work.

    Sets up the file, reviews it, scrubs the 1003, answers your questions, drafts the emails.

  4. 4

    You decide.

    Every proposed change shows up on your loan file desk with its evidence. Approve or reject each one, or approve them all with one click.

  5. 5

    Approved changes go to ARIVE.

    It writes the change, reads it back to confirm it landed, and keeps a record. You can undo it.

The guardrails

Nothing goes to a borrower without you. Emails are drafts in your inbox. You send them.

1003 changes need your approval, each with its evidence.

It can't delete anything. Not a document, a need, a note, or a loan.

Every finding has evidence: a document page, a calculation, or a source link. No black box.

Checkpoints and undo. It saves a checkpoint before it changes ARIVE.

A full record of every run, proposal, approval, and write.

Private AI models. Document pages go only to AI providers with zero data retention.

Your ARIVE two-factor codes go straight into ARIVE. The AI never sees them.

What needs your approval in ARIVE

ActionNeeds approval?
Add or update a noteNo
Add a need to the needs listNo
Upload or rename a documentNo
Change the 1003Yes
Send the needs email to the borrowerYes
Close a needYes
Create a loanYes
Delete anything or archive a loanNever allowed
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Beyond the AI LOA

The rest of the job, handled too.

Your brand, not ours.

First Coast marketing builds your personal brand: websites, social content, studio video, events, and paid leads support.

A broker, not a single lender.

Shop every file across our wholesale lender network. First Coast is a top-20 UWM broker.

First Coast Inertia.

Our in-house loan officer workspace on ARIVE. Free for First Coast loan officers.

Licensed where you are.

First Coast is licensed in Florida, Alabama, Georgia, North Carolina, South Carolina, and Pennsylvania.

Live webinar

Webinar on November 17th, 3:30 pm Eastern

https://us06web.zoom.us/j/88624946014?pwd=w6m0BJJqbnb2L6BaIIPHzw0ed8CHl2.1
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What it costs you

Nothing.

First Coast pays for it. We designed it for our own loan officers, around how they actually work. It's on for every loan officer in the company, and it works your files when documents come in, day or night.

Still retyping 1003s at night?

Let's talk. It's a confidential conversation, and I'll show you exactly what your files would look like here.

Jason Kindler, President, First Coast Mortgage Funding

Start a confidential conversation