AI phone system for mortgage brokers and loan officers

Borrower calls answered, qualified, and routed fast.

Handle purchase, refinance, realtor referral, document chase, loan-status, and after-hours pre-approval calls while licensed loan officers stay focused on real loan work.

Test the system Watch video

Speed to leadQualify purchase, refi, and pre-approval callers before they shop elsewhere.

LO handoffWarm-transfer urgent borrowers and realtor partners with scenario details captured.

Compliance-awareCollect intake and route licensed decisions without quoting rates or giving loan advice.

See how mortgage calls become qualified borrower tasks.

Watch the system answer, qualify, summarize, and prepare follow-up for borrower intake, realtor referrals, document requests, and after-hours loan questions.

Mortgage teams use the system to win speed-to-lead, protect realtor relationships, capture after-hours borrowers, and avoid voicemail during refi waves.

AI inbound borrower intake

Capture purchase, refi, timeline, property, realtor status, credit range, and callback urgency.

Warm transfer hot leads

Route urgent realtor referrals, offer deadlines, and ready borrowers with a concise handoff.

Document chase support

Call or answer borrowers using approved checklist language and create processor follow-up tasks.

Dedicated business line

Keep borrower calls out of personal cell phones and inside a clean loan-team workspace.

Outbound AI follow-up

Run simple callbacks on Business and larger aged-lead or database follow-up on Business Pro.

Loan-context knowledge

Use uploaded docs or webhook-fed status so the AI can answer from approved loan-process context.

Dedicated mortgage business number separate from personal cell phones

AI answering for purchase, refi, realtor referral, document, and status calls

Warm transfer to LOs with borrower details, urgency, price range, location, and timeline

Call recording, transcript, summary, contact profile, task, and callback window

Mortgage playbooks for refi, purchase, realtor referral, document chase, and aged leads

Light outbound AI script calls on Business for callbacks and document reminders

Business Pro campaigns for aged-lead reactivation and larger follow-up lists

Uploaded docs and webhook-fed borrower, loan, milestone, or document status context

Inbound SMS inbox plus outbound SMS after paid plan, consent, number assignment, and carrier approval

Pricing includes plan limits, numbers, users, minutes, SMS, fax, and visible add-ons

Pricing

Same plan pricing, preloaded for mortgage teams.

Plans include AI answering, borrower records, business numbers, SMS after approval, light outbound on Business, and larger outbound automation on Business Pro.

Card required

Trial

Try the full phone workspace for 3 days before your plan starts.

$0 / 3 days

Choose a paid plan, then start with 3 days free

AI voice minutesLimited trial pool
Outbound SMS after carrier approval
Included users1
Included phone numbersReusable trial pool
Inbound AI answeringLimited trial pool
Inbound SMS inbox
Call recording + transcripts
Voicemail summaries + playback
Browser video links
Manual outbound AI script calls
Outbound fax + document upload
Prepaid extra usage
Extra usage rates
Extra users
Extra standard numbers
Pooled power-dial numbers
Shared numbers + team access
Team chat + internal video
AI auto-learning + knowledge baseBasic KB setup
10DLC setup + carrier-gated SMS
API keys + webhooks
Review collection + SMS keywords
Power Dial Contacts
Power Dial Campaigns (voice + SMS)
SMS drip automation only on Business Pro
Number pooling + team routing
Warm transfer scripts
Outbound Scripts + A/B
Sentiment + predictive follow-up
Voicemail drop
SSO, SCIM, audit logs
Dedicated account manager
Custom AI training
Full analytics dashboardLimited

Usage and add-ons

Trial limits

3 days free with a card on file
Choose Solo, Business, or Business Pro before checkout
Stripe collects the card securely and starts billing after the trial unless cancelled
Paid-plan limits are attached to the selected plan

AI Receptionist

Solo

AI answers, records, and summarizes calls for one-person businesses.

$39 / mo

$39/mo effective · billed $468/yr

Save $120 / year

1 user + 1 phone number included

AI voice minutes75/mo
Outbound SMS after carrier approval200/mo
Included users1
Included phone numbers1
Inbound AI answering
Inbound SMS inbox
Call recording + transcripts
Voicemail summaries + playback
Browser video links
Manual outbound AI script calls
Outbound fax + document upload25 pages/mo
Prepaid extra usage$25 min refill
Extra usage rates$0.40/min + $0.07/SMS
Extra users
Extra standard numbers
Pooled power-dial numbers
Shared numbers + team access
Team chat + internal video
AI auto-learning + knowledge baseBasic KB
10DLC setup + carrier-gated SMSSelf-serve
API keys + webhooks
Review collection + SMS keywords
Power Dial Contacts
Power Dial Campaigns (voice + SMS)
SMS drip automation only on Business Pro
Number pooling + team routing
Warm transfer scripts
Outbound Scripts + A/B
Sentiment + predictive follow-up
Voicemail drop
SSO, SCIM, audit logs
Dedicated account manager
Custom AI training
Full analytics dashboardLimited

Usage and add-ons

Included usage

75 AI voice minutes/mo
200 outbound SMS/mo after carrier approval
25 outbound fax pages/mo

Extra charges

$25 minimum prepaid refill for usage beyond included caps
Prepaid usage rate: $0.40 per AI voice minute and $0.07 per outbound SMS
Inbound fax receive requires a dedicated fax-routed line billed as an extra number add-on

What each plan includes

The matrix above gives the quick comparison. These details spell out included usage, numbers, users, outbound tools, SMS rules, and automation differences in plain language.

Trial complete feature list

3-day card-required trial
Selected-plan setup workspace
Basic AI knowledge base
Stripe subscription created before live phone setup
Call summaries and basic voicemail capture
Outbound SMS waits for consent, number assignment, and carrier approval

Solo complete feature list

AI receptionist with unlimited inbound answering
Inbound SMS inbox
75 AI voice minutes/mo
200 outbound SMS/mo after carrier approval
Call recording + transcripts
Voicemail inbox, summaries, and playback
Basic contacts and basic AI knowledge base
Browser video links
25 outbound fax pages/mo
Inbound fax receive available with an added fax line
1 phone number included
1 user included
Self-serve SMS carrier approval
Hard usage cap with $25 minimum prepaid refill for extra usage
No team features or outbound automation

Business complete feature list

Everything in Solo, plus:
300 pooled AI voice minutes/mo
500 outbound SMS/mo after carrier approval
100 outbound fax pages/mo
3 users and 2 phone numbers included
25 one-at-a-time outbound AI call minutes/mo
Extra users $15/user/mo
Extra standard numbers or inbound fax lines $19/mo each
Shared numbers + team access
Team chat + internal video calling
AI auto-learning that knows your contacts
Advanced knowledge base + RAG
Team call recording + transcripts
10DLC setup workflow + carrier-gated SMS
API keys + webhooks
Review collection + SMS keywords
Usage dashboard
$25 minimum prepaid refill for extra usage

Business Pro complete feature list

Everything in Business, plus:
600 pooled AI voice minutes/mo
1,000 outbound SMS/mo after carrier approval
250 outbound fax pages/mo
5 users and 2 phone numbers included
Extra users $20/user/mo
Power Dial Contacts for faster outbound calling
Power Dial Campaigns for voice + SMS bulk workflows
SMS drip automation for multi-step follow-up on Business Pro
Number pooling support for power dialing
Team routing
Warm transfer scripts
Outbound Scripts + branching + A/B
Sentiment analysis on every call
Predictive follow-up suggestions
Voicemail drop
Full analytics dashboard
Usage dashboard and over-cap controls
Prepaid extra usage: $0.40/min + $0.07/SMS, $25 minimum refill
Pooled/power-dial numbers $29/mo

FAQ

Mortgage AI Phone FAQ.

Can it quote mortgage rates?

No. It should not quote rates, give loan advice, or make lending decisions. It collects borrower details and routes to licensed loan officers.

Can it help with document chase?

Yes. It can use approved checklist language, capture borrower questions, and create tasks for the LO or processor.

Can it recognize realtor partners?

Yes. You can add contacts, notes, tags, and routing rules so partner calls get prioritized and warm-transferred when needed.

Can customers test the AI first?

Yes. The demo form requests a one-time automated call, saves the name and phone for follow-up, and uses the selected scenario so the call feels specific.

Can the AI know my clients and their history?

Yes. You can customize contact profiles with notes, preferences, relationship details, past conversations, callback windows, tags, and AI instructions for known callers.

Can I train it on my business?

Yes. The system can use scripts, FAQs, uploaded documents, website knowledge, contact details, and webhook-fed context so the AI has the right business-specific answers.

What happens when the AI does not know an answer?

It should avoid guessing. The system can collect the caller details, mark urgency, create a task, request a callback window, or warm-transfer the call when needed.

Can it warm-transfer calls?

Yes. Urgent or high-value calls can be routed to the right person with the caller name, reason, urgency, and next action already captured.

Can it make outbound calls?

Yes. Business includes light one-at-a-time outbound AI script calls. Business Pro adds higher-volume outbound workflows, power dial campaigns, SMS drips, voicemail drop, and predictive follow-up tools.

Does it replace my team?

No. It handles intake, routing, summaries, and follow-up preparation. Your team stays in control of decisions, quotes, service, and customer relationships.

Do I need to use my personal phone?

No. The system is built around a dedicated business number and shared workspace so calls do not get buried on a personal cell.

Does SMS work right away?

The SMS inbox can receive customer texts on supported plans. Sending outbound SMS requires a paid plan, valid consent, number assignment, and carrier approval. SMS drip automation is a Business Pro feature.

What is included in the trial?

The trial starts from a selected paid plan with a card on file, so the workspace, billing, and live setup are connected from the start. SMS sending still requires consent, number assignment, and carrier approval.

What is the difference between Business and Business Pro?

Business is the practical shared-phone plan with pooled minutes, team access, webhooks, and light outbound AI script calls. Business Pro is for heavier outbound automation, power dialing, SMS drips, voicemail drop, sentiment, predictive follow-up, and deeper analytics.

Can it use uploaded documents or live customer data?

Yes. You can preload knowledge with documents and scripts, and higher plans can use API keys or webhooks to feed customer context such as status, preferences, recent requests, or account-specific notes.

How are usage and add-ons handled?

The pricing table shows included users, numbers, minutes, SMS, fax, and add-ons. Extra usage can be controlled with prepaid refill rules and visible plan limits so teams know what they are using.