Build complete borrower files without the email chase.

Agents commonly request government photo ID, proof of income (pay stubs, T4, or NOA for self-employed), employment verification, down-payment proof (bank statements, gift letter), and property details. Lenders add deal-specific items — verify with your principal broker and each lender. Hivi-X lets you build a reusable checklist so you track each item instead of piecemeal email requests.

Pre-approval files commonly include ID, recent pay stubs or income docs, employment letter, credit consent, and down-payment verification. Self-employed borrowers often add T1 General and NOA. Lender requirements vary. In Hivi-X you build a pre-approval checklist once and reuse it with missing-item tracking.

Avoid unencrypted email for IDs and bank statements. Use an encrypted, Canadian-hosted portal with checklist tracking so files stay in one agent-controlled record. Borrowers can upload via a secure guest link (no account needed — email OTP) or sign in to the my-id.ca portal.

No. Finmo, BOSS/Vault, and Filogix handle borrower portals, lender submission, and integrations. Hivi-X is a document-collection and file-organization layer for agents who still chase docs outside those systems — or need a secondary intake path for renewals and private deals.

No. If your brokerage mandates Finmo or BOSS, you likely do not need Hivi-X for standard A-lender files. Hivi-X fits solo agents and micro-brokerages without a provided portal, or as a complement for deals outside the main pipeline.

Since October 11, 2024, mortgage brokers are FINTRAC reporting entities. Brokerages need a compliance program, client identification using prescribed methods, and record retention (typically 5 years for certain records). Hivi-X helps organize KYC documents on the agent-controlled record; it does not certify FINTRAC compliance, automate verification, or file FINTRAC reports.

Brokerages must maintain fraud-prevention policies, identity verification records, and documentation supporting disclosures (Form 1, income, employment, property value, credit). Hivi-X helps collect and export organized borrower evidence; your principal broker sets the file standard.

Purchase files emphasize down-payment source, offer details, and first-time buyer programs. Refinance and renewal files emphasize existing mortgage statements, updated income, property tax bills, and sometimes appraisal. In Hivi-X you maintain separate reusable checklists for each deal type.

Usually 2–3 years T1 General, Notice of Assessment, business financial statements, business bank statements, and possibly GST/HST returns. Build a BFS checklist in Hivi-X to track the items lenders scrutinize.

On servers hosted in Canada. AI processing uses infrastructure Hivi-X operates — borrower PII is not sent to OpenAI, Google, Anthropic, or other third-party AI providers. Sensitive fields use AES-256-GCM at rest; traffic uses TLS.

$39 CAD/month (Starter), $59/month (Professional), or $99/month (Enterprise). All plans include a free trial, reusable templates, Canadian hosting, and self-hosted AI.