AI receptionist for mortgage brokers

Speed wins the first call

A borrower with an offer accepted on a house wants someone to talk to today. They will ring more than one broker, and the first to reach them in a helpful way is often the one who takes the file. Brokers spend much of their day on calls and meetings, so enquiries wait.

Calls also come from estate agents, accountants and solicitors, who send clients and want a fast acknowledgement. Those referrers are a source of repeat business and deserve a quicker response than a general enquiry.

Brokers who work alone feel this most. When you are in a meeting with a client, the next client is calling someone else. The agent keeps that second call from vanishing.

What the agent collects

The agent never says what someone can borrow or which lender will accept them.

Rules and consent

Mortgage advice is regulated in every market we serve. In the US, rules include those for loan originators and the Telephone Consumer Protection Act on automated calls and texts; in the UK, the FCA regulates advice; in Australia and Ireland their own regulators do. Check with your compliance adviser or regulator. The agent states that it is an automated assistant, offers a person, and only sends texts or calls back to people who agreed.

Borrower data is sensitive. We keep what the agent stores short, restrict access and set a retention period. We never ask for full identity numbers or bank details by voice.

Connecting to your systems

Brokers often use a CRM such as Salesforce, Pipedrive or an industry system, plus Outlook or Google Calendar. For example, the agent can create a lead with a source tag in a CRM that has an API, and book directly into a calendar. Where the CRM is closed, an email or text carries the same summary.

• Call summary in your inbox within a minute of hanging up.
• Different greeting for referrers and public callers.
• Advice-call confirmation by text with a document checklist.
• Reminders ahead of each call, to reduce no-shows.

Peaks and follow-up

Mortgage volume follows the property market, product expiry dates and month-end. The agent can run longer hours when a rate change or a stamp-duty change causes a surge, and it can warn callers about the expected wait for a call back.

A mortgage file needs documents, and clients forget. After the advice call, a text or email can list what is needed. The agent can answer calls asking what is still missing by reading the checklist you attached to the record, without opening the file itself.

It can also call clients back, where they agreed, to book a follow-up before a rate lock or product expiry date. These are short calls with a fixed script, and any question about the loan is passed to you.

The weekly summary shows how many enquiries came outside office hours, which topics came up most and how many calls ended in a booking. Use it to decide whether to extend cover.

Referrers deserve special care. An estate agent who sends you a buyer and hears nothing for a day may send the next one elsewhere. The agent can confirm receipt to the referrer by text within a minute, with a promise of when you will call.

Setting up

1. ScopeCall types, who is allowed to say what, compliance notes.
2. ConnectCRM and calendar.
3. Compliance reviewYour adviser reads the script.
4. LaunchOverflow first, then primary answering.

The base approach is on the AI voice agent development page. Brokers often compare this with sibling builds such as real estate agents.

Price

Projects start at $1,500, with a rate of $30 an hour. A solo broker with one calendar and a simple CRM sits near the minimum. Multiple advisers, referral routing and compliance rounds add hours. See the voice agent cost guide. A fixed quote follows a short call, within one working day.