When the Applicant Is an AI Agent: What Changes at the Mortgage Point of Sale
Personal agents are being built to find a home, compare lenders and fill in a mortgage application for the borrower. The regulations underneath that application did not change. A practical account of where an agent-submitted application starts the TRID clock, which steps still need the borrower's own consent, and how to design intake so an agent can do the work without making the borrower's decisions.