10/08/2026
“ChatGPT says I qualify.” It’s a phrase more lenders may be hearing as homebuyers increasingly use AI tools to research the mortgage process.
In his recent article for National Mortgage Professional, Enact's Senior Director of Underwriting Jose Bellido looks at how AI is shaping borrower expectations and why lender expertise remains an important part of the conversation. He also explores how lenders can turn AI-driven questions into opportunities for deeper conversations and stronger borrower relationships.
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For generations, prospective homebuyers started their journey by speaking with a real estate agent, lender, family member, or financial adviser. Today, their first conversation may be with artificial intelligence instead.