Text your borrower. They snap a photo of their pay stub and reply.
MagicDocs builds the loan file — automatically.
No credit card required. Plans from $9/month.
No borrower portal. No fax machine. Just a text message that any borrower can reply to from their phone.
A real SMS exchange between a loan officer and a borrower gathering documents for a mortgage application.
Loan file: Income ✓ • Tax Docs ✓ • Assets: pending
Close faster by eliminating the document collection bottleneck. Borrowers text docs — you focus on closing.
Text your borrower a document request. They photograph their pay stub or W-2 and reply. The document lands in the correct loan file — no borrower portal, no fax machine, no branch visit required.
MagicDocs automatically organizes incoming documents into loan file categories: income verification, asset statements, tax returns, employment letters, and identity documents. Every file is sorted before you open the dashboard.
Our AI identifies document types on arrival. A photo of a W-2 goes to tax documents. A bank statement goes to asset verification. A pay stub goes to income verification. Manual sorting is eliminated from the loan officer workflow.
When underwriting requests additional stipulations, text the borrower directly from MagicDocs. Automated reminders go out if the borrower has not responded within your configured timeframe — so loan files keep moving toward closing.
Documents are encrypted in transit and at rest. MagicDocs never stores full SSNs or account numbers in plain text. Access controls and audit trails meet the expectations of compliance teams at banks, credit unions, and mortgage companies.
See every loan in your pipeline and its document status at a glance. Know which files are complete and ready for underwriting, which are waiting on borrower documents, and which need your attention — all in one view.
Get started today. Plans from $9/month.
Get started today. Plans from $9/month.
Everything loan officers and mortgage brokers ask before switching to SMS document collection.
When you have a new borrower, you send them a text message listing the documents you need — pay stubs, W-2s, bank statements, tax returns. They photograph each document and text it back. MagicDocs receives the images, classifies each document using AI, and files them into the correct section of the loan file. You see a complete, organized loan package on your dashboard.
No. MagicDocs works through standard SMS text messaging. Borrowers use the messaging app already on their phone. This is critical in lending — every friction point between application and closing costs you deals. A text message has a 98% open rate versus 20% for email.
Yes. When underwriting comes back with conditions or stip requests, you text the borrower from MagicDocs asking for the specific document. The borrower replies via text, and the document goes directly into the loan file under the stipulations section. No phone tag, no lost emails.
Pay stubs, W-2s and 1099s, federal and state tax returns, bank and brokerage statements, employment verification letters, gift letters, photo IDs, proof of insurance, and any other document that can be photographed or attached. MagicDocs handles images, PDFs, and common office formats.
Yes. All documents are encrypted in transit (TLS) and at rest (AES-256). We maintain full audit trails, role-based access controls, and automatic data retention policies. MagicDocs is built for regulated industries — banks, credit unions, and mortgage companies use our platform for borrower document collection.
Borrower portals require account creation, password management, and often a learning curve. Completion rates for portal-based document upload are typically 40-60%. SMS-based collection achieves 85%+ completion rates because borrowers reply to a text the same way they text family and friends — instantly, without friction.
Text your borrower a document request. They reply with photos and files. Loan file complete — close faster.
Plans from $9/month. Upgrade when you're ready.