What the agent handles
- Books pre-approval consultations
- Collects income and property basics
- Tracks renewal and closing dates
- Sends document checklists
- Takes referral partner calls
Legal, finance and professional
AI receptionist for mortgage brokers
Handles pre-approval and renewal enquiries, collects the basics a broker needs to get started, and books calls before financing deadlines slip past.
CallerWe put an offer in on a house and need financing confirmed by Friday.
CallerMy mortgage is up for renewal soon and the bank's offer seems high. Can you shop it around?
CallerI'm self-employed. Can I even get approved?
Where calls go
Mortgage agentsUnderwriting supportClosing coordinatorOffice manager
Warm transfer: If a buyer calls with a financing condition that expires in a few days, the agent warm-transfers to their mortgage agent right away.
What it books
Pre-approval and renewal consultations
Why mortgage brokers miss calls, and what an AI receptionist changes
Mortgage work moves on other people's timelines. An offer comes back accepted on a Saturday with five business days to firm up financing, a realtor needs a pre-approval letter for a client who wants to bid tonight, and a homeowner's renewal letter arrives with three weeks to decide. Brokers spend the day on the phone with lenders and underwriters, so when a new call comes in they're usually already on one.
A RealVoice AI receptionist answers for the brokerage and collects what an agent needs to get started: purchase, renewal or refinance, the property's city and rough price, where the down payment is coming from, whether the caller is salaried or self-employed, and the date that matters, whether a financing condition, a closing or a maturity date. It books a pre-approval or renewal consultation with the right mortgage agent and texts the caller your document checklist, from pay stubs and a job letter to two years of notices of assessment for the self-employed.
It never quotes a rate, says someone will be approved or compares lenders. When a caller asks what rate they'll get, it explains that their agent will go over options once the file is reviewed. A buyer whose financing condition expires in a few days is warm-transferred to their mortgage agent immediately, and a realtor or lawyer calling about a closing reaches the closing coordinator.
Example call, start to finish
- CallerHi, we just had an offer accepted on a townhouse in Kanata and the financing condition is up Friday. The bank's taking forever.
- AI receptionistFriday is close, so let's move quickly. Have you worked with anyone here before, or is this your first call to us?
- CallerFirst time. Our realtor, Sandra, gave us your number.
- AI receptionistThanks. A few quick questions so your agent can start right away: what's the purchase price, about how much are you putting down, and are you both salaried?
- CallerSix forty-five, sixty-five thousand down. I'm salaried, but my husband is self-employed. He does drywall.
- AI receptionistThat helps. Given Friday's deadline, I'm putting you through to Daniel, one of our mortgage agents, right now.
- AI receptionist(privately, to Daniel) New purchase, townhouse in Kanata, about six forty-five with sixty-five thousand down, financing condition expires Friday. One salaried, one self-employed in drywall. Referred by Sandra the realtor. She's on the line.
After the call: Daniel answers knowing the price, the down payment, the income mix and the Friday deadline. The couple gets a text with the document checklist for a salaried and a self-employed applicant, and Sandra's referral is noted in the call summary in the RealVoice portal.
How it fits your day
- Weekend offers
- Offers are accepted on Saturdays and Sundays. Buyers and realtors who call then are answered, the condition date is taken, and the agent on call hears about it right away.
- Spring market
- When showings pick up, pre-approval requests stack up. The agent books consultations and sends checklists, and clients can text photos of pay stubs and job letters to your number, kept with the call in the portal, so a broker's first call is spent on the file rather than on paperwork.
- Renewal letters
- Homeowners call when the lender's renewal offer arrives. The agent records the maturity date and current lender and books a renewal review well before that date.
- Referral partners
- Realtors, lawyers and planners who send you business reach the right agent or closing coordinator quickly, and every summary shows who referred the client. Once it's connected to your mortgage software during setup, it can also tell them where a file stands, such as documents received or submitted to the lender, without speaking to the outcome.
Your software
Today it books pre-approval and renewal consultations into the RealVoice schedule in the portal, keeps call summaries and recordings there, and texts every caller a confirmation with the documents to gather. If your brokerage runs Filogix Expert, Finmo, Velocity or Scarlett, the team can set up a connection to it; custom integrations are quoted separately.
What a missed call costs
A funded mortgage pays the brokerage a lender commission that grows with the loan size, and a happy buyer comes back at renewal and sends friends. If two purchase or renewal calls a week go to voicemail and those callers find another broker or sign the bank's renewal offer, that's about a hundred files a year you never see, plus the realtor who stops referring when clients can't get through. Work it out with your own average commission in the missed-call calculator on our homepage.
Questions mortgage brokers ask
Will it quote mortgage rates?
No. Rates depend on the file and change often, so it doesn't quote them. It books a consultation and tells the caller their agent will go over options.
Can it tell self-employed callers whether they'll qualify?
No. It collects how they earn their income and how long they've been self-employed, sends the checklist you use, and books them with an agent who handles self-employed files.
How does it handle financing condition deadlines?
It always asks for the key date. A condition expiring within the window you set is warm-transferred to the mortgage agent at once, and every summary shows the date at the top.
Can realtors reach my agents through it?
Yes. Referral partners are recognized by name or number and put through to the agent or closing coordinator they need, or they leave a message that's sent right away.
Can an AI answer my mortgage brokerage on weekends?
Yes, every hour of the week. Weekend callers get booked for the next open time, and anything with a deadline before Monday reaches the agent on call by text and email.
Hear it as your own mortgage brokerage's front desk
Request a free demo call and the agent will phone you, set up as a business like yours.