# AI Receptionist for Mortgage Brokers & Lenders Source: https://insertchat.com/industries/mortgage-brokers > Capture purchase and refinance leads around the clock, with rate and approval questions left to a loan officer. An AI receptionist for mortgage brokers answers borrower and real estate agent calls when your loan officers are busy, using your loan programs, licensed states, and document checklists. InsertChat’s assistant qualifies purchase and refinance leads, books calls with a loan officer, and sends every rate, fee, approval, or credit question to a licensed person. ## Turn an open-house call into a booked pre-approval conversation Example workflow: Phone call. Illustrative scenario. Answers depend on your sources; actions depend on your connected tools and permissions. This is not a customer testimonial or measured result. A couple calls at 5:15 p.m. on a Sunday, straight from an open house. > We saw a house today that we love. It’s listed at $480,000. What would our rate be, and how fast can we get pre-approved? ## Explain your process Describe how pre-approval works at your company and which documents to gather, from the checklist you wrote. ## Qualify the lead Record purchase or refinance, the price range, the planned down payment, the property’s state, the buyer’s agent, and the target closing date. ## Book the loan officer Offer Monday morning times on the loan officer’s calendar and book one. A high-intent alert reaches your team that evening. ## Your team sets the boundaries The rate, the fees, and whether they qualify are for a licensed loan officer. The assistant says so and never quotes a number. ## What it handles for mortgage brokers Handled by your assistant: - Purchase and refinance leads, qualified with the questions you set - The loan programs you list, such as conventional, FHA, VA, or jumbo - Document checklists for pre-approval and underwriting - Calls with a loan officer, booked into open times - Real estate agents asking how to reach a borrower’s loan officer Sent straight to your team: - Any request for a rate, fee, or payment estimate - A closing within days, or an agent asking about clear to close - A rate lock about to expire - Suspicious wiring instructions or a changed account for closing funds - Borrowers upset about a denial or a delay ## What it asks and what it needs to know Details it collects: - Name and preferred contact method - Purchase or refinance - Property state and type, such as a single-family home or condo - Price range or estimated home value - Target closing date or timeline - Buyer’s agent name, for purchases - How they heard about you What to add to its knowledge: - Loan programs you offer and the states you’re licensed in - Pre-approval steps and document checklists - NMLS numbers and licensing statements, as you display them - Loan officers, their specialties, and the languages they speak - The rule never to quote rates, payments, or approvals - How borrowers should send documents, such as your secure portal ## Can an AI receptionist quote mortgage rates? No, and you don’t want it to. Rates depend on credit, loan type, and the day’s pricing, and quoting them is a loan officer’s job. Add rates, fees, payments, and approvals to the topics that always need a person, and the assistant tells callers a loan officer will give them real numbers. Every rate request is flagged, so it becomes a callback instead of a lost lead. ## How does it help with real estate agent referrals? Agents calling about a shared buyer get answers from your process and a quick route to the right loan officer. The assistant records the agent’s name, brokerage, the buyer, and the closing date, and flags anything about clear to close or a closing within days. You can also send saved agents straight to your office line. ## How much does an AI receptionist for mortgage brokers cost? Pro is $98 a month for one phone number, monthly credits, three assistants, and three seats. Each call rounds up to the whole minute. Give each loan officer an assistant and a number, at $10 a month per extra number, and alerts can go to the officer assigned to it. Growth raises the limits to 20 assistants and 5 seats for larger teams. ## Can borrowers text us their documents? Picture messages go to your staff, but bank statements and tax returns shouldn’t travel by text. Add your secure upload steps to the assistant’s knowledge, and it points borrowers there whenever they ask how to send documents. You can also tell it to ask callers never to read out a Social Security number. ## Does it connect to our loan origination system? No. InsertChat doesn’t connect to loan origination or pricing software. Each lead becomes a contact with the summary and transcript, and if you use HubSpot, Zoho, or Microsoft Dynamics 365, the assistant can add the lead there through the actions you allow. Your team starts the application in your own system. ## Can it talk with borrowers in Spanish? Yes. The assistant switches to the caller’s language and asks the same qualifying questions in Spanish or another language your borrowers use. Add which loan officers speak which languages to its knowledge, so it can tell callers who will follow up with them. ## Does it work after hours and on weekends? Yes. Set your office hours and time zone, and the assistant answers evenings and weekends, when buyers get home from showings. During the day, it can pick up when your team doesn’t answer within 5 to 60 seconds. ## Related features - [Lead capture](https://insertchat.com/product/lead-capture) - [AI text messaging](https://insertchat.com/product/sms) - [Scheduling](https://insertchat.com/product/scheduling) ## Broader industry - [Professional services](https://insertchat.com/industries/professional-services): Give every new inquiry a clear next step.