VistoraVistora

For Mortgage Agents

Stop chasing the same documents twice.

Vistora collects, validates, and organizes every borrower document on the way in — so “can you resend that?” just stops, and you get your time back for clients.

The chaos

Right now, every file is a paper chase.

Duplicates, half-named scans, “can you resend that?” — the same documents, chased twice:

RESEND?Pay stub v2NOA — pg 2?T4 — which year?Void cheque (again)Gift letter?

Order arrives

Then the clutter snaps into the right checklist — automatically.

Vistora keeps a template for every borrower type and builds the exact list that file needs — the right docs, every time. Couples are tracked separately, never merged into one pile.

SalariedSelf-employedContract / hourlyNew to CanadaRetired

Self-employed · required documents

  • 2 years T1 Generals + NOAs
  • Business financial statements
  • Articles of incorporation / licence
  • 6 months business bank statements
  • Photo ID

It knows the docs behind every account and source — FHSA, RRSP, TFSA and the 7 investment account types, plus all 7 down-payment sources — and asks for exactly what each one needs.

Validated on upload

You focus on connecting, building relationships, and guiding your clients.

Vistora takes the busywork — every document checked the moment it lands.

It reads each upload, confirms it's the right document, and tells the borrower in plain English when something's off — before it ever reaches you.

pay-stub.pdfuploaded by borrower

Vistora is reviewing

Checking the pay stub on upload…

  • Employer nameVerified
  • Gross incomeVerified
  • Year-to-date totalVerified
  • Pay date — too old. Dated 40 days ago; lenders need ≤ 30. Vistora asks the borrower for a current stub.

No more discovering a problem at underwriting.

In sync with the deal

Clean files don't stop at upload — they stay in sync with the deal.

Your checklist and approval states ride the same 17-stage timeline the agent and buyer see — so everyone knows exactly where financing stands.

Now: FinancingStage 7 of 17 · ~38 days to close
Offer acceptedClosing

Your AI

And on every file, an FSRA-aware second set of eyes.

It surfaces what's missing or off — in plain English, with the fix — so you catch it now, not at underwriting.

Heads up — the borrower's account shows a $20,000 deposit 12 days ago with no source. Lenders will ask where it came from. Ask for a 90-day account history or a gift letter before you submit — unsourced large deposits get flagged at underwriting.
  • Flags + guides — never advises
  • Reads the file — invents nothing
  • Never quotes a rate
  • FSRA-aware

Arrival

From first doc to funded — organized the whole way.

Clean files, validated on the way in, in sync with every deal you're on.