The AI Agent Revolution: Your Personal AI Workforce Has Arrived

AI is quickly moving beyond chatbots and simple assistants into something far more powerful: a personal workforce of intelligent agents capable of helping professionals get more done with less friction. In this week’s Weekly AI Update, David Lykken is joined by Pavan Agarwal and Jennifer Vallinayagam to explore how AI agents can help mortgage professionals organize their day, conduct research, prepare for meetings, create content, prospect and nurture leads, and make better use of their time. They also examine the broader economic opportunity created when small businesses combine greater access to capital with AI-powered productivity. With agents becoming easier and less expensive to deploy, the conversation is shifting from “How do I use AI?” to “What can I delegate to AI?”—and that could create a significant competitive divide between businesses that embrace an AI workforce and those that don’t.

[David] Folks, we’re back with another AI update with Pavan and Jennifer. Don’t want better to talk about that, but we’re gonna first start with the bond buying program that the Treasury has kicked off. And Pavan’s got some thoughts I think are very relevant that I’d like him to share with you listeners. Pavan?

[Pavan] Very interesting. Bessent has started I think he’s allocated a trillion dollars to buying back long dated bonds. So he’s buying back the 30 year and 20 year, I believe, at this point. And what we saw is that 30 year bond yields, they hit what, five and a quarter or something, getting something in that neighborhood. I don’t know exactly what they hit. And then he started buying. And I think he’s doing the right thing. I think the communication was weak and the explanation was weak. And I also think he’s getting a lot of he’s getting attacked by the fund managers and the banks. And they’re driving a lot of the narrative about why he shouldn’t be doing this. But the reality is that 75 percent of U.S. debt is owned by U.S. institutions. So those are those are our funds and banks and insurance companies that hold the debt, so basically the debt is to ourselves, and so. If he doesn’t do this, OK, the long term body else will continue and unless long term body else continue to rise, it basically becomes a form of corporate welfare, and the fund managers who are the wealthiest amongst us gets to make free money. Because they take your money, let’s say at, you know, I’m just making a guess in our number, let’s say they take your money, let’s say at 2%. And then all they have to do is and and then they look really smart because they just buy treasuries 30 year treasuries at five and a half percent, let’s say, or five and a quarter or whatever, if you let them rise, it will go to five and a half maybe, so they buy they take your money at two and they buy US Treasuries at five and a half. And they’re making a nice clip in between and they’re getting rich off the US taxpayer and your money, right? And he can’t let that continue. And that’s just that’s just silly talk. So whereas those fund managers, their job is to get to work. They’re getting paid to invest your money wisely and in a productive way, in a way that’s productive to the economy. Using that money to buy US Treasuries, is most of that debt. mean, a trillion dollars a year of the debt that we’re issuing is just interest on the debt. So why would we pay that interest out of taxpayer dollars to private hands? So it doesn’t. So what he’s saying is basically a trillion dollars of interest this year. Let’s just pay it to ourselves. it’s like, it’s like imagine. you have a high interest rate credit card and you lent yourself the money. And so what difference does it make? And that’s what he’s doing. So as opposed to that interest going to third parties, let it loop back to the government. And make the funds and the fund managers work and deploy the money to where it belongs, which is back into the economy, back into building small businesses. That money is the whole point of fund managers is so they’re supposed to be intelligently deploying the money to boost the economy. They’re not just doing the brain daddy easy stuff, which is buying treasuries. Okay, so if they take the money and put it back, if the treasury steps in and effectively has put a cap on long term rates by buying it at a certain point, that forces funds to invest back into the economy. when funds invest back in the economy, that creates growth. And when you create growth, you will be able to get out of this debt, know, where $40 trillion debt, could finally get that reduction. You got to have only way to get through this debt is through growth. 15 to 18 trillion dollars of our our GDP is from small businesses. And the unique thing about our economy today is that these small businesses. All they need now is they could become very big businesses, but with a few people because of AI agents, so what took an army and what was very there was huge entry barriers for entrepreneurs, for risk takers, for investors to build a business and take a long time and to make and to be productive in producing a product that people want. That was hard before. Now, it’s not necessarily easier, but it’s it is the entry barriers are gone so that you don’t need as many people. You don’t need as big an investment. So this is the time for small businesses to flourish. And I like to see that number go from 15 trillion to 25 trillion. I think we can add 10 trillion dollars of GDP just from small businesses and from small businesses using AI and AI agents properly. Okay, but those small businesses, they need capital. And the capital is all hoarded by a handful of banks and investment funds. And if those banks’ investment funds are given the easy road of just, hey, just buy US Treasuries, then the money stops circulating, the money stops going into building our economy, and it’s just going into paying interest back to the government. It’s dumb, right? It’s a dumb use of money, okay? And if we continue that trap of banks and investment funds just buying treasuries and high-yield treasuries and not putting the money to work, we’ll never get out of this debt cycle. So they have to take the money, invest back in small businesses and now small businesses have the first time ever in history have the tools to build big economic, have big, the first time in history small businesses have the tools to create large economic gains with small capital investment and to do it very rapidly. And that’s the beauty of AI and AI agents.

[David] Yeah, and that’s a perfect segue to where I wanted to go is into AI agents. So kudos, Pavan, for answering the question and giving us some color on what Treasury is doing and then transferring right in because they the two are really uniquely tied together. And so a lot of people don’t see that. They see them as separate. So we have Jennifer joining us. I’m really Jennifer, thanks so much for being here. Pavan, you’re the designer of the AI agents and the whole angel AI, it’s including agents. So give us some your thoughts on the intelligent design there. And then I want to get over to Jennifer to how this is being employed within Angel AI and the tools and the advantages this gives to originators or anyone in the mortgage industry.

[Pavan] Well, the real intelligence is from Jennifer and the team. They did all the heavy lifting. I just told them what I want. I said, I want an army of agents to do all the work, make it easy for everyone. I said, want it really, really easy because right now, if you use AI agents and if you use something like Open Cloud, whatever, it takes a long time and most people can’t do it. By the time you up your Apple Mini and this and that, and it’s expensive to it takes time and money to set up agents and then you kind of barely get it to work for yourself. Now imagine trying to implement AI agents for an organization of a hundred people. Are you gonna set up a hundred Apple minis and fine tune each one? Right, it’s too difficult to do. So I said, I laid the mission, said, anyone to be able to go into angel AI and in one minute set up their own agent platform and set up as many agencies as they

[David] There’s the key is set up as many agents as you want and have it done where it is easy for the average individual to go in, even probably less than the average individual be able to go in, because it’s a great tool that gives great leverage. Jennifer, again, thank you so much for joining us today. Talk about some of the applications of AI agents and what these can do or what you are seeing people doing with angel AI and the AI agent angel agents.

[Jennifer] Yeah, I mean as Pavan mentioned, right? I’ve personally never set up my own cloud agent, but I’ve seen one of my colleague here, David Pawa, who was in one of your segments, set up his own agent. It took him literally overnight, like six hours, in order to set up his agent. And trust me, he has a decent tech background in order for him to be able to set up his own agent, right? And he has the entire knowledge of the domains that he has worked on. So If it takes them eight hours, imagine what it would for a user who’s coming in, a consumer or anybody for that matter, right? They don’t have the time and energy and the resources to do that. So what we did was as Pavan laid out the mission, I need an agent that can be set up in minutes and not cost them so much. David literally said in one of our sales meetings, it cost them $350 per month in order to maintain his agent up and running. Just maintain, not even do any activities, right? So number one, it is basically an extension of what angel AI is all about. Number one, scalable, two, free, and three, is easy to use. So we took all these three concepts of angel AI and extended it to what people now call as open claw agents or cloud agents. They can they I think many people are used to that terms right now. So we basically took Angel AI’s warranted intelligence, its security, and extended to OpenClaw and made it very easy, scalable, cheap, free. And it’s actually, I have been excited, and I’ve been using this extensively the last week. And I can tell you how loan officers are using it. Even our own sales team is using it. And one of the persons who actually was in one of your podcasts, Jodie Perry has been using it as well, right? So I wanted to show a few live examples. I mean I can sit here and talk about it can be used for research and intelligence, it can be used for planning and strategy. Basically if I’m a loan officer and I want to have a schedule for tomorrow, help me help me build a strategy around how I should spend my day tomorrow, or it can also help me with business growth and lead generation. What does that mean? Angel AI, as we all know, I can generate leads with Angel AI. But it’ll also help me determine how I should schedule my day so that I could manage these leads the following day, right? And it also helps with AI coaching. And it also helps with some presentations that I may have a meeting with, right? These are just a very handful of activities that I can do today with angel agents that I’ve seen people actually use them. I would really like to share my screen and show you a quick demo of what I did that all our loan offices and our sales team are actually doing. Let me share my screen really quick.

[David] If that’s you share your screen, Jennifer, if you could, also for those that are just not looking at a screen, but listening, if you could kind of walk us through

[Jennifer] I I will definitely do this. So what I started off, I created my agent, unfortunately. I’ve already created my agent, so I’m not gonna go through those steps, but you can always go into

[David] So you went in and created how long did it take you to create your own agent, Jennifer?

[David] And David Paul was spending hours and $300 a month to create something for what he was doing. wow.

[Jennifer] Yeah. Exactly, right? It took a very, very long time. That’s what I’m saying. Again, I’m not trying to trivialize anybody’s talents or anything here, right? As a layman can come in and just create an angel agent for themselves. And I I’ll show you a few examples of what it was able to do for me. And all our sales team is actually doing it. as I said, loan officers, brokers are also using it, right? So what I did was I have, I want to make six hours of calls tomorrow, right? That’s my goal. I want to make six hours of calls and I also have to meet with an agent, right? So I’m gonna be confused. How am I gonna make these calls and still go out and come and meet this agent and things like that? Help me, right? So once all I told her was I need to do six hours of calls and meet with the agent. Can you create me a plan and a strategy for the same? Literally, see as you can see the times here. In less than a minute, she came back with this entire schedule, right? Complete six hours of productive costs. Meet with the agent. This is what she wants to make sure. That’s my objective, right? And then it’ll give me an hour by hour by hour preparation of what I need to do. Right?

[Jennifer] Very clear steps of what needs to do. And even better, what do I need to do during those calls? Before each call, what do I have to do? Review the contacts, background, set a clear objective of what I want to do. It’ll also help me or coach me, for lack of a better word, how to prepare for those calls, even before I start making these calls. Right. And when I’m meeting this agent, what are the steps that I’m supposed to take? Right. So it gives me all this information. And better yet, it’ll also ask me, would you like it to tailor it further for me? I said, you know what? Okay, yeah, these calls are sales calls. So help me, you know, do it for a sales call. So now it actually optimizes my schedule to even match what I really wanted to do with those calls. Is it a sales call or just a recruitment call or whatever that is? I can tailor my schedule accordingly. Right? So it was able to do all of this in literally a few minutes. And it only took me less than a minute to set up my agent as well. It is up and running, and I didn’t have to pay. I didn’t have to use my credit card. I didn’t have to do any of that.

[David] Is access to know your schedule because you obviously have other things on your schedule. Someone looking at this, they already have things there. So does it have do you give it access or does it how does it go look at what’s already on your calendar?

[Jennifer] That’s a great, great question because it has access to my calendar. It has access to my inbox because it also helps me manage my email inbox. It knows my calendar and it’ll schedule all of this in my calendar so that I don’t miss any meetings. I’m never late to any calls, and I never miss a beat in the day and be productive and be able to make all those calls and get leads out of those calls. So it helps…

[Jennifer] Yeah. So that was going to be my next one. And also what I can do is number one, it’s this is for tomorrow, right? So I said, you know what? Okay, I don’t want to lose this. So I told her, okay, make sure that you make notes of this and please add these to my notes for today. And then the next day tomorrow, and also I can set a reminder. Hey, make sure you remind send me a reminder and add these to my notes so that I can go on a later day and pull up my notes from this particular day and be able to use it. So since I have Angel AI app on my phone, it automatically sends me reminders. Hey, clock is ticking, right? Just like I would have a reminder on my text message or something, Angel AI is able to send me those reminders immediately 15 minutes before the call schedule starts. Number one. Number two, now I can go back to my angel agent and say, Hey, can you pull up my notes from yesterday? And it will pull me all the notes and it’s able to give me everything. And I was also just messing with it. Another thing is you can do some research about what is available around you and things like that. But the best thing I wanna show, the next feature that I want to show is this one. So I was very, very impressed. I mean I know it’s my baby, but still I

[David] Yeah, but once it once create maybe and then watching what your baby does, it does don’t do that.

[David] I mean I’m I’m I help create my kids, but then I sit and watch them after they grow up and go, man, that’s amazing.

[Jennifer] Absolutely, right? So I told her I’m gonna meet a real estate agent from ROA. Can you give me some content about Angel AI? And guess what she gave me? She broke it down beautifully for me. What is Angel AI? What are the key highlights and features? How is it related to mortgage and lending? How it helps you grow your business and better yet, why it matters for an or ROA agent, right? It’s not only just talking about Angel AI, it also promotes a value proposition for the target audience that I’m meeting with. Why does it matter for an ROA agent? And what are the talking points for the meeting? And it’ll also customize it for me to see if I have to ask any questions to the ROA agents to bring to make it a very beautiful conversation, right? So these are the kind of features that Angel Agent is able to bring to your doorstep without you having to manage your own agent and pay that monthly subscription fee. I mean, if you’re already using any one of these agents, you would probably be paying $250 just to get probably, you know, half a half a million of tokens. But here, you get this for free. You just use Angel AI over and over and over again, and you gather these points, and that’s all you need to fire up these angel agents. And it is like you could probably get thousand points. You I mean, to put it in perspective. You attend a Angel AI workshop, you get seven thousand points, right? With seven thousand points, you can earn approximately around seven million tokens. And that seven million tokens is going to be sufficient for you to fire up your agent. I don’t know, for your life, probably. So that’s how easy and cheap it is. It’s actually free. All you need to do is just keep using Angel AI.

[David] That’s amazing. So you talked you touched on research and intelligence. You can analyze markets, competitors, and all the industry trends. I mean that was fascinating what you could do. But it’s when it gets into one thing is to help you analyze that, but then when you put that into a plan for your day and then you break out your schedule, it literally plans you at this time, this time, this time. And the but isn’t that really based on asking the right questions, Jennifer?

[Jennifer] I mean, the the beauty of this is you don’t have to know how to ask a question. I mean, it’s like for me, I could speak for myself, which is like I speak to myself, how do I plan my day tomorrow? I know what I have to do tomorrow. You just speak like you’re speaking to yourself or to I don’t know, whoever you would go and talk to. Pavan was talking about small business earlier, right? Think of a loan officers, many loan officers out there. They are single loan officer brokerage shops, right? and having them have to pay for an assistant or additional assistance just to do these things, it is an expense. And I know not every loan officer is going to be able to afford that, especially in today’s market, right? That is where this is even more easy and important to do because it is doing everything that I want someone to do for me because I don’t have the time to do it or I want to focus that time on something else, which is okay. Angel Agent is able to do all that for me, right? And it makes it available readily to use. All I need to do is wake up, have my coffee and start my day.

[Pavan] It’s literally your personal Jarvis from Iron Man. It can do so many things. And we just wrote a couple of things. Hey, David, we sent you the graphics. If you could put that up on the screen there, and Jennifer is going to walk through all the different capabilities. And that’s just version 1.0, what we just released. In the next six days, will be 10 more.

[Jennifer] Okay, so these are some of the few things that Angel Agent is able to do in version one point as Pavan mentioned. And if you go to Angelai.com/Sena, it’ll tell you everything that’s coming up between now and the next 45 days. so you’ll be able to see that there as well. So as you can see here, we talked about research and intelligence, which includes understanding about Angel AI and presenting it to ROA and planning and strategy. We saw how it helped me schedule my day, where I had to make six hours of call and also meet with an agent and content creation. Right? This is something that about Angel AI itself. It created me the content about Angel AI to go and speak about ROA. I use that as an example, but you can create contents about anything that you want to present when you’re going to presentation. Remember, Angel AI is not just for loan offices and real estate agents. It can be used outside of the mortgage industry as well. So you can create content in order to go do a presentation or talk to a group of people that you’re meeting with, right? You can create all that content as well. And business growth and lead generation. As we know, we already rolled out this app where you could generate leads from within Angel AI. And then you also have the lead prospecting, which also helps you with prospect those leads that You generate from within Angel AI. So it is a combination of that business growth and lead generation that is also available within your agents because you can customize the script that you want to use with these calls using Angel agents, right? And AI coaching and decision support. What this really means is basically you can when you’re creating these agents, you just can create the skills that you want your agents to have. Number one. Number two, You can also tell your agents, refrain from certain topics, right? I set up my agent in such a manner, don’t give financial advice, or don’t give rate advices, or don’t give market color and things like that, right? But even if you enable it, the way she does it is very, very smart and intelligent because she’ll tell you what today’s market trends are. She’ll tell you what the current market conditions are. And she will also tell you beware of XYZ, right? And can go anywhere. Like for example, if I go and ask her, hey, where are the yields heading today? Right? Is it going to go up, gonna go down? Right. She will be able to tell you exactly what the market trends are, but at the same time, she will tell you these are the things that are happening which could affect the yield, but she will never advise whether it’s going up or down, right? So she’s able to give all that kind of decisions as well. And then we already saw how it was helping me organize my day and help me be productive on any given day. And this local and online discovery, I don’t know if you were when I was scrolling down, I was asking about, say supposing I’m gonna go visit a client, right? And I want to take them out for lunch close by, right? And I can ask her, say, hey, what is the best, you know, whatever, Chinese restaurant or best Italian restaurant, whatever you want to ask her, and she’ll be able to give you information on that and proactive assistance, which is basically the schedulers and reminders that you will be able to get from Angel AI in order to structure your day or be more proactive and productive with all the things that you have to do in any given day. The biggest thing I’ve ever seen with anyone, whether it’s a salesperson or even an ops person, struggle the most is plan their day and be able to be proactive and stick to that schedule. Everything that Angel AI does here is able to help them do that. Right. And making it available in one place with the infrastructure that Angel AI is built on, and making all of this available at no cost for you is the key behind angel agents. Right? That is how she’s so unique in everything she does here. The warranted intelligence.

[Pavan] And I want to add that this document that you see here, it was itself created by Angel Agents.

[David] Way this document that we’re looking at for those of you are listening to on the audio only that you can see this in the by going to our YouTube page on this and see these documents or you can find this document again Jennifer at angelai.com/sena

[David] Yeah. S-E-N-A. So you can find what we’re looking at. And it’s so important, listeners, that you start dialing into this because AI agents, well, it’s really gonna be a dividing. It’s like those that have AI agents and those that don’t. That’s the way the market’s going. And I see this more and more clearly as I work with the two of you. And I just look at general trends, and I’m seeing also what others are doing. You the nice thing about angel AI. This is again free. This is available to you. It’s not gonna cost you $350 a month. One of the leading other AI agents creator. And the other problem with that, it’s being created in the private and in the public domain. Your knowledge and the way you give is not yours. Pavan, talk about that, how important it is to be inside of a closed architecture or a closed system, what that does for compliance and helping people. Keep themselves out of trouble.

[Pavan] Yes, super important when you work with angel AI the information because you have with angel AI you have a crypto blockchain wallet and your information goes into that wall. So it doesn’t go to anybody else. Now when you go into one disclaimer here when you go into angel agents, some of that information does go to outside LLM’s like cloud and open AI and other things. So we can’t guarantee that a that information doesn’t go to third parties. But inside Angel AI, everything is contained within our network.

[David] This is again so important as we start looking to the future and what’s going to be the exciting factor. And I want our listeners to be equipped with the tools. And Pavan, thank you for designing such an amazing system. Jennifer, thank you for making sure it gets built the way the designer intended. It’s just so powerful. Thank you both for being here today. I really appreciate another powerful and valuable AI update from the both of you. Thank you.

Important Links

Pavan Agarwal is a renowned leader in the mortgage lending industry and a pioneer in bringing artificial intelligence to the financial markets. Agarwal serves as the President and CEO of Sun West Mortgage Company and Celligence International, LLC.