What AI Can’t Do for You in Mortgage Lending and What I Still Can
- Liana Pomeroy
- Jun 13
- 2 min read
Updated: Jun 30
The mortgage world is evolving fast.
You have probably heard about AI changing everything from document review to loan approvals. And it is true. The tech is getting smarter. The process feels more digital than ever.
But if you are wondering whether that means human strategy is becoming less important, let me stop you right there.
What AI Is Actually Doing in Mortgage Lending
Behind the scenes, artificial intelligence is helping lenders like me speed up some of the more tedious tasks:
Verifying income or reviewing bank statements
Navigating underwriting guidelines more efficiently
Transcribing conversations for compliance checks
Helpful? Absolutely. Game-changing? Not without the right person guiding the process.
Here Is What AI Cannot Do
AI does not know what your real estate goals are. It does not understand the nuance of your self-employed income. And it certainly does not know how to pivot when your situation does not check the conventional boxes.
A smart system might tell you no.
A strategic lender will find another way.
For example:
An algorithm might flag your debt-to-income ratio as too high. I might see a perfect DSCR loan fit based on your rental income.
A bot might overlook your business cash flow. I will consider a bank statement or profit and loss loan.
A digital tool might miss equity spread across multiple properties. I will look at how a cash-out refinance or cross-collateralization can move you forward.
The Real Advantage Is Strategy That Knows Where to Look
I use technology to make the process more efficient. But never at the expense of your outcome. You get the speed and support that modern tools offer, backed by 23 years of hands-on lending experience.
I have helped investors grow their portfolios, supported self-employed clients who were told no elsewhere, and found smart paths forward for clients who felt stuck.
Let’s Make a Plan That Fits Your Life
If an online system gave you a dead end or you are unsure what comes next, let’s talk.
Whether you are exploring DSCR options, looking at a cash-out refinance, or need a lending structure that accounts for your full financial picture, I am here to help.
📩 Email me at liana@pomeroylending.com
📞 Call or text me directly: (303) 601-5197
🔗 Or apply online: pomeroylending.com
Liana Pomeroy
Senior Mortgage Loan Advisor
All loans subject to approval. Conditions apply.
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