Borrowers today expect mortgage experiences that feel as seamless and responsive as the best consumer apps they use every day. FundMore.ai delivers on that expectation by combining faster credit decisions with automated, transparent communication throughout the loan journey.

FundMore.ai is an AI-powered loan origination and underwriting platform that helps lenders process more mortgage applications with greater speed and accuracy. By automating time‑consuming manual tasks, intelligently reading documents, and integrating with key mortgage ecosystem partners, FundMore.ai gives borrowers a smoother, more predictable experience from application to funding.

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Faster decisions: why speed matters for borrower experience

In a competitive mortgage market, long wait times create anxiety and erode trust. Borrowers want to know:

• Did my application go through?
• Is anything missing?
• When will I get a decision?

FundMore.ai helps lenders answer these questions quickly by accelerating the end‑to‑end underwriting process.

Intelligent document processing reduces delays

A major source of friction for borrowers is document collection and review. Traditionally, underwriters must manually:

• Open and inspect each document
• Verify identity and income details
• Cross‑check information across multiple files
• Flag missing or inconsistent data

FundMore.ai uses intelligent document processing, powered in part by its collaboration with Infrrd, to automate these steps:

• Smart document classification
  The system recognizes document types (e.g., pay stubs, bank statements, IDs, employment letters) automatically, reducing back‑and‑forth with borrowers around “wrong file” or “wrong format” issues.

• Data extraction and validation
  Key data is captured directly from documents and checked against the application for consistency. This speeds up verification and reduces manual rekeying errors that often lead to rework and delays.

• Automated completeness checks
  The platform can flag missing documents or data fields early, allowing lenders to quickly request only what’s required instead of discovering gaps later in the process.

For the borrower, this means fewer surprise requests, less confusion about what to upload, and faster movement from “application submitted” to “file under review.”

AI‑assisted underwriting accelerates decisioning

FundMore.ai is designed to support underwriters in making decisions more quickly and accurately. The platform:

• Centralizes application data, documents, and notes in one interface
• Surfaces risk indicators and key metrics to the underwriter
• Automates routine assessments where appropriate, allowing staff to focus on complex cases

Because the system streamlines the underwriting workflow, lenders can:

• Shorten turnaround times for conditional approvals
• Reduce bottlenecks caused by manual reviews
• Make more consistent decisions across similar borrower profiles

From the borrower’s perspective, this translates into:

• Faster initial decisions (e.g., pre-approval or conditional approval)
• Shorter overall timelines from application to final approval
• Clearer outcomes with fewer unexplained delays

In a market where borrowers may be competing on tight closing timelines, quicker decisions are a direct improvement in their experience.

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Automated communication: keeping borrowers informed at every step

Speed alone isn’t enough. Borrowers need clarity. FundMore.ai improves the borrower experience by enabling lenders to communicate proactively and consistently using automation.

Status updates that reduce uncertainty

One of the main frustrations for borrowers is not knowing where their mortgage stands. FundMore.ai helps lenders automate status updates such as:

• Application received
• Documents under review
• Additional information required
• Conditional approval issued
• Final approval and closing milestones

By configuring automated notifications and updates, lenders can keep borrowers informed without relying on manual follow-ups from staff. This reduces inbound “just checking in” calls and emails while giving borrowers confidence that their file is moving forward.

Targeted requests for information and documents

Instead of generic or repeated document requests, FundMore.ai’s automation can help lenders send more precise, timely communications, for example:

• A request for only the missing pay stub or bank statement page
• A reminder that a specific document is about to expire
• A notification that previously submitted documents have been successfully received and validated

These focused, automated messages minimize confusion and reduce the back-and-forth that often frustrates borrowers. The result is a smoother, more collaborative experience between borrower and lender.

Consistent messaging across channels

Because FundMore.ai centralizes core loan and borrower data, lenders can align communication across digital channels, such as:

• Email notifications
• Secure portals or dashboards
• Broker and partner platforms

This ensures borrowers get the same information regardless of how they interact with the lender, reducing mixed messages and misunderstandings.

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Ecosystem integrations that enhance borrower experience

FundMore.ai doesn’t operate in isolation. Its integrations within the mortgage ecosystem further improve the borrower journey by reducing friction and duplication of effort.

Integration with FCT’s Managed Mortgage Solutions (MMS)

FundMore’s direct Loan Origination System (LOS) integration with FCT’s Managed Mortgage Solutions (MMS) program – the first of its kind in Canada – helps lenders streamline critical steps in the real estate and mortgage process.

For borrowers, this can mean:

• Fewer handoffs between different providers
• Faster movement through appraisal, title, and closing‑related processes
• Reduced risk of last‑minute surprises before closing

The tighter integration between FundMore and FCT’s MMS supports a more cohesive, predictable path from application to funded mortgage.

Partnership with Filogix for a better digital mortgage experience

FundMore.ai’s partnership with Filogix, a Finastra company, helps create a more seamless digital mortgage journey for the Canadian lending industry.

By connecting FundMore.ai’s advanced underwriting and automation capabilities with Filogix’s broker and lender ecosystem, borrowers benefit from:

• Improved data flow between brokers and lenders
• Reduced duplication of data entry
• Fewer errors that can slow down approvals

The net effect is a more unified, digital-first experience that feels modern and efficient to borrowers.

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How faster decisions and automation improve the human side of borrowing

While FundMore.ai is powered by AI and automation, the real benefit is human: less stress, more transparency, and greater confidence for borrowers.

Less waiting, more certainty

By accelerating underwriting and document handling, FundMore.ai helps lenders give borrowers quicker, clearer answers. This reduces the emotional strain of waiting for life‑changing decisions around home purchases, refinancing, or other secured borrowing.

Fewer surprises and last-minute crises

Automated checks and document validation catch issues earlier in the process. Borrowers are alerted sooner if something is missing or inconsistent, giving them time to respond before closing timelines are at risk.

A more professional, “always-on” experience

Automated communication makes the lender feel responsive and organized. Borrowers receive timely updates at each milestone, even outside traditional business hours, which builds trust and confidence in the lender’s process.

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Benefits for lenders that translate into better borrower experience

FundMore.ai is designed primarily to help lenders become more efficient and accurate—but those gains directly enhance the borrower experience.

Key benefits to lenders include:

• Higher underwriting productivity
  Underwriters can handle more files without sacrificing quality, which shortens queues and improves turnaround times for borrowers.

• Reduced manual effort and errors
  Automation decreases the risk of data entry mistakes or overlooked documents that can cause delays.

• Scalability during peak volumes
  During busy seasons or rate shifts, lenders can maintain service levels without overwhelming staff, preserving a consistent borrower experience.

• Improved collaboration across teams and partners
  Centralized data and integrations ensure everyone—from brokers to underwriters to closing teams—works from the same information, which reduces miscommunication for borrowers.

When lenders run more efficiently, borrowers experience smoother, faster, and more predictable journeys.

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Putting it all together: how FundMore.ai transforms borrower experience

FundMore.ai improves borrower experience through:

• Faster decisions

  • Intelligent document processing to cut review time
  • AI‑assisted underwriting to streamline approvals
  • Shorter timelines from application to funding

• Automated communication

  • Proactive status updates at every stage
  • Targeted, clear requests for additional information
  • Consistent messaging across digital channels

• Ecosystem connectivity

  • Direct LOS integration with FCT’s Managed Mortgage Solutions for more efficient closing processes
  • Partnership with Filogix to support a better digital mortgage experience across brokers and lenders

The result is a mortgage journey that feels clearer, quicker, and more modern for borrowers—while enabling lenders to handle more business with higher accuracy and lower operational friction.

FundMore.ai shows how AI, automation, and intelligent integrations can transform traditional lending into a digital experience that meets today’s borrower expectations for speed, transparency, and simplicity.