Stop chasing borrowers for W-2s and bank statements.
Let Jotask do it.
Send each borrower a secure portal link. They upload their mortgage documents directly — no account to create, no app to install. Automatic reminders fire at D+3, D+7, and D+14. Everything lands in your dashboard, organised by loan file.
The mortgage document chase costs you loans — not just time
Documents trickle in at the last minute
W-2 arrives Monday, bank statements Tuesday, tax returns 'on the way'. Each delay pushes the underwriting date back — and risks the rate lock. You spend more time chasing paper than closing deals.
Manual follow-ups eat your pipeline time
You're writing the same 'Just following up on your documents' email across 12 active loan files. For every minute spent chasing, that's a minute not spent on new business.
Sensitive financial data sent over email
Bank account numbers, login credentials, tax ID — borrowers email sensitive financial data in plain text because you asked them to 'just send it over'. Every inbox is a liability.
How Jotask collects mortgage documents from your borrowers
- 1
Create a loan document checklist
Add every item your underwriter needs: W-2 forms, bank statement PDFs, pay stubs, photo ID, signed contracts. Save it as a 'Purchase', 'Refinance', or 'Buy-to-let' template to reuse for every new borrower.
- 2
Send the borrower a magic link
One email — your branding, not Jotask's. The borrower clicks the link, sees their personal checklist in the browser, and starts uploading. No account to create, no app to install.
- 3
Automatic reminders chase missing documents
If the borrower hasn't completed their checklist by day 3, Jotask sends a polite nudge. Day 7: a firmer reminder. Day 14: urgent. Set it once per loan file — never write a follow-up email before a rate-lock deadline again.
- 4
Everything lands in your dashboard
Documents appear the moment borrowers upload. See what's complete, what's still missing, and which loan files haven't been touched yet — all in one place, ready for the underwriter.
Built for every type of mortgage and lending practice
Residential mortgage brokers
You're juggling 15 active loan files at once. Every one needs W-2s, bank statements, and tax returns — and half your borrowers haven't uploaded anything three days before underwriting.
- ✓2 years W-2 forms or tax returns
- ✓2–3 months bank statements (all accounts)
- ✓Recent pay stubs (last 30–60 days)
- ✓Government-issued photo ID
- ✓Signed purchase contract
Refinance & remortgage specialists
Your borrowers already own the property but still delay sending the current mortgage statement, homeowner's insurance, and income proof you need to get the deal done.
- ✓Current mortgage statement
- ✓Homeowner's insurance declaration
- ✓Recent pay stubs or self-employment income
- ✓2–3 months bank statements
- ✓Proof of address (utility bill or council tax)
Buy-to-let & investment property brokers
Investment property applications require rental income evidence, tenancy agreements, and landlord insurance on top of the standard income docs — and landlords often send them piecemeal.
- ✓Tenancy agreement(s)
- ✓Rental income evidence (12 months statements)
- ✓Landlord insurance certificate
- ✓SA302 & tax year overview (self-employed)
- ✓Existing mortgage statements
Commercial & bridging loan brokers
Complex deal structures mean complex document sets: company accounts, director's ID, exit strategy evidence — and tight deadlines that don't move.
- ✓2–3 years company accounts
- ✓Director ID & proof of address
- ✓Company bank statements (6 months)
- ✓Exit strategy evidence
- ✓Property valuation or planning permission
How Jotask compares to the tools mortgage brokers currently use
| Feature | Jotask | Dropbox | DocuSign | |
|---|---|---|---|---|
| Borrower uploads without an account | Yes | No — attachment only | No — Dropbox login required | Partial — account recommended |
| Automatic reminders as deadline approaches | Yes — D+3, D+7, D+14 | Manual only | No | No |
| Checklist per loan file | Yes | No — free-form | Folders only | No — signature focus |
| Deadline + auto-pause | Yes | No | No | Expiry only |
| Encrypted credential collection | Yes — AES-256, once-readable | No — plain text | No | No |
| Reusable loan type templates | Yes | Manual copy-paste | Folders only | Envelope templates |
| Branded borrower portal | Yes — logo + colour | No | No | Partial |
| Self-hostable for data sovereignty | Yes — Docker, any VPS | No | No | No |
Features built for high-volume mortgage document collection
No borrower account required
Send a magic link. Your borrower opens it in any browser — no sign-up, no password, no app. The #1 reason borrowers delay uploading is removed before the loan even starts.
Automatic escalating reminders
D+3: polite nudge. D+7: firmer reminder. D+14: urgent. Set it once per loan file — never write another 'just checking in before underwriting' email.
Rate-lock deadline + auto-pause
Set your underwriting deadline. When it passes, the portal pauses automatically and the borrower sees that the process stalls until they deliver. Clear, professional, no awkward calls.
Reusable loan type templates
Save 'Purchase', 'Refinance', 'Buy-to-let', or 'Self-employed' checklists as templates. Each new borrower gets the right checklist in seconds — same items, new portal link.
Encrypted credential collection
Borrowers sometimes need to share login credentials (payroll portals, online banking). Jotask encrypts these with AES-256 — you read them once, then they're deleted. Never sitting in an inbox.
Your brand on every portal
Add your firm's logo and accent colour. Every document portal your borrowers see looks like it came from your brokerage — professional, trustworthy, compliant.
Pricing — start free, no credit card required
Self-hosted
Free
Full features, no limits. One Docker command on any VPS. Your data, your server, your jurisdiction.
Self-host on GitHub →Solo
12 €/month
Hosted. 1 seat, 15 active loan files, 10 GB storage. Perfect for independent mortgage brokers.
Get startedAgency
29 €/month
Hosted. Up to 5 loan officers, unlimited requests, 100 GB storage. For mortgage brokerages with multiple advisers.
Get startedNot ready to commit? Self-host for free — full features, your own server.
Frequently asked questions
- What is the best document collection software for mortgage brokers?
- The best mortgage document collection tool lets borrowers upload W-2s, bank statements, tax returns and proof of identity without creating an account, sends automatic reminders as the loan deadline approaches, and keeps sensitive financial data secure. Jotask does all three — and is free to self-host under AGPL-3.0.
- What documents do mortgage brokers typically collect from borrowers?
- A standard residential mortgage application requires: 2 years of W-2 forms or tax returns (self-employed), 2–3 months of bank statements (all accounts), recent pay stubs (last 30–60 days), government-issued photo ID, proof of address, and for purchases, a signed purchase contract. Jotask lets you save this as a reusable template and send it to every new borrower in seconds.
- Do borrowers need to create an account to upload their mortgage documents?
- No. Your borrower receives a magic link by email. They click it, see their personal checklist in the browser, and upload directly — no sign-up, no password, no app to install. Removing the account barrier is the single biggest reason borrowers delay document submission.
- How does Jotask handle automatic reminders for missing loan documents?
- Jotask sends a polite reminder at D+3, a firmer follow-up at D+7, and an urgent nudge at D+14. You set it once per loan file and never write another 'just checking in' email. You can also set a rate-lock or underwriting deadline — when it passes, the portal pauses automatically and the borrower sees that the process stalls until they deliver.
- Is Jotask secure enough for sensitive mortgage documents?
- Yes. Jotask is open source (AGPL-3.0) and self-hostable — you can run it on a server in your jurisdiction with full control over where borrower data is stored. The hosted plan runs in an EU-region environment. Files are scoped per loan file — borrowers cannot access other borrowers' documents. For highly sensitive items like portal credentials, Jotask encrypts them with AES-256 (readable once, then deleted).
- Can I use templates for recurring mortgage document checklists?
- Yes. Save your standard 'Purchase mortgage', 'Refinance', or 'Buy-to-let' checklist as a template. For each new borrower, you create the request in seconds — same items, same reminders, new portal link. Templates save 5–10 minutes per loan file compared to assembling the checklist manually each time.
- How is Jotask different from emailing a document checklist to borrowers?
- Email gives borrowers no structure: documents arrive in random order, split across multiple replies, some inline and some as attachments. Jotask gives each borrower a checklist — they see exactly what's needed, what's still missing, and what you already received. You get a single dashboard per loan file instead of hunting through email threads.
- Can mortgage brokers use Jotask for both purchase and refinance loans?
- Yes. Create separate templates for purchase loans (adds purchase contract, gift letter if applicable), refinance loans (adds current mortgage statement, homeowner's insurance), buy-to-let (adds rental income evidence, tenancy agreement), and self-employed applicants (adds 2 years SA302, accountant's certificate). Switch templates in seconds depending on the loan type.
Ready to close more loans with less document chasing?
Set up your first loan document checklist in under 2 minutes. Jotask handles the reminders — you focus on the deal.