AI Phone System for Mortgage Brokers
Stop losing $3,000-$8,000 loan commissions to instant online quotes. AI phone system built specifically for mortgage brokers that captures leads 24/7, pre-qualifies borrowers, answers rate questions, and schedules consultations—before interested buyers click "submit" on Rocket Mortgage or LendingTree.
The Problem: Borrowers Want Instant Answers, Not Voicemail
Homebuyers researching mortgage rates at 8 PM don't leave voicemail—they submit applications to online lenders who provide instant pre-approval in 15 minutes. By the time you call them back tomorrow, they're already locked in with a competitor.
After-Hours Rate Inquiries Lost
Buyer Googles "best mortgage rates near me" at 7 PM, calls your office to ask about 30-year fixed rates. Gets voicemail. Refreshes browser, sees Rocket Mortgage's instant quote, clicks "Get Pre-Approved" and submits application. You call back tomorrow—they're already under contract with another lender.
Loan Officers Busy = Leads Go Cold
You're on the phone with a closing, at a title company, or reviewing documents. Phone rings with a first-time homebuyer asking about FHA requirements. No one picks up. They call the broker down the street who answers and schedules their pre-qualification for tonight—you lose a $4,500 commission.
Repetitive Questions Waste Time
80% of your calls are the same questions: "What's today's rate?" "How much do I need for a down payment?" "What documents do I need?" Every minute explaining FHA vs. Conventional to an unqualified caller is time NOT spent closing loans or working with serious buyers.
Realtor Referrals Go to Voicemail
Realtor texts you: "Client needs pre-approval for offer tonight." You're in another meeting or after hours. Realtor can't wait—they refer the buyer to another lender who answers immediately. You lose the deal and damage the realtor relationship.
The Solution: AI Pre-Qualifies + Tools Capture Leads
Your AI loan assistant answers every call with natural conversation, then uses intelligent tools to pre-qualify borrowers, provide rate information, collect documents, and schedule consultations—24/7, even when you're closing other loans.
How It Works: AI + Tools Built for Mortgage Brokers
Instant Pre-Qualification Capture
The AI Conversation: "I need to get pre-approved" or "How much house can I afford?" → AI collects income, debt, down payment, credit estimate, employment status.
Tool Used: External Support → Creates detailed pre-qualification lead with all borrower info, loan type (FHA/Conventional/VA), urgency (under contract vs. shopping), and preferred contact method.
Result: You call back with accurate numbers and next steps instead of playing phone tag collecting basic info. Borrower feels heard, not rushed.
Rate & Program Questions
The AI Conversation: "What's today's rate on a 30-year fixed?" or "Do you do FHA loans?" → References your current rate sheet and loan programs.
Tool Used: General Search → Searches your uploaded rate sheets, loan programs (Conventional, FHA, VA, Jumbo), and down payment requirements to provide accurate guidance with proper disclaimers.
Result: Borrower gets realistic rate expectations 24/7. No "rates change daily, I'll call you back" that sends them to online competitors with instant quotes.
Consultation Scheduling
The AI Conversation: "Can I meet with you this week?" or "When can we go over my options?" → AI checks your calendar for available appointment slots.
Tool Used: Appointment Scheduler → Books consultation directly into your calendar with automatic SMS confirmation including what to bring (pay stubs, tax returns, bank statements) and Zoom/office location.
Result: Calendar stays full with qualified leads. No phone tag trying to find time slots. Borrowers show up prepared with required documents.
Document Collection & Status Updates
The AI Conversation: "What documents do I need?" or "What's the status of my loan?" → Pulls from your uploaded checklists or references borrower's current file status.
Tool Used: General Search → Provides document checklists by loan type (FHA, Conventional, VA) and searches your borrower status database to answer "waiting on appraisal," "in underwriting," or "clear to close."
Result: Borrowers get instant answers without interrupting your workflow. Reduces repetitive "what's next?" calls by 70%.
Built For Mortgage Broker Workflows
The AI understands lending language and broker operations—not generic "I'll take a message" scripts.
Independent Mortgage Brokers
- ✓ 24/7 pre-qualification capture
- ✓ Rate inquiry automation
- ✓ Consultation scheduling
- ✓ Realtor referral handling
Perfect for: Solo loan officers or small teams losing after-hours leads to big-box lenders with 24/7 call centers and instant online quotes.
Mortgage Teams & Brokerages
- ✓ Lead distribution routing
- ✓ Loan officer scheduling
- ✓ Branded borrower experience
- ✓ Team performance metrics
Perfect for: Brokerage teams with 3+ loan officers where leads fall through cracks because everyone assumes someone else will call back.
Realtor-Preferred Lenders
- ✓ Priority realtor referrals
- ✓ Urgent pre-approval handling
- ✓ After-hours availability
- ✓ Same-day callback guarantee
Perfect for: Lenders building realtor relationships where immediate response to "I need pre-approval for an offer tonight" makes or breaks referral partnerships.
Real ROI From Day One
3-5x
More Leads Captured
24/7 availability beats competitors
70%
Fewer Repetitive Calls
AI handles status updates
24/7
Lead Response Time
Never lose to online lenders
ROI Reality Check: If you close 10 loans per month at $4,000 average commission, capturing just TWO additional after-hours leads per month = $8,000 extra annual income. The AI pays for itself from the first weekend call you would have missed to Rocket Mortgage.
Why Mortgage Brokers Choose Yardee
Works With Your LOS
Integrates with your existing phone number, calendar, and loan origination system (Encompass, Calyx, Byte, etc.). Borrowers call the same number on your business card—zero disruption to your operations.
Trained on Mortgage Lending
Understands FHA, VA, Conventional, Jumbo, USDA loans, DTI ratios, LTV, PMI, rate locks, and closing costs. Speaks borrower language: "pre-approval," "down payment assistance," "first-time homebuyer programs."
15-Minute Setup
Upload your current rate sheet, loan programs, and document checklists. The AI starts answering your phone in 15 minutes. No complicated phone system replacement required.
You Stay in Control
AI handles repetitive questions (rates, programs, documents needed). Complex scenarios (credit issues, debt consolidation, jumbo loans) get routed to you for personal consultation with pre-qualified borrower info already collected.
Frequently Asked Questions
Does this replace loan officers?
No. The AI captures leads 24/7 and handles repetitive questions (rates, programs, document checklists) so you focus on high-value activities: running credit, structuring loans, working with underwriters, and closing deals that actually fund.
Can it provide accurate rate quotes?
The AI provides general rate information from your uploaded rate sheet with proper disclaimers ("rates subject to credit approval"). For specific quotes requiring credit pull and full application, it collects borrower info and schedules callback for accurate pricing.
Does it comply with RESPA and lending regulations?
Yes. The AI provides information only—no commitments or guarantees. All rate quotes include disclaimers. Actual loan applications, credit decisions, and binding quotes happen during your consultation after proper disclosures. We follow CFPB guidelines.
Can it schedule consultations directly into my calendar?
Yes. The Appointment Scheduler tool integrates with Google Calendar, Outlook, or your LOS calendar. AI checks availability, offers time slots to borrowers, and books appointments with SMS confirmation including required documents.
What if a borrower has complex credit issues?
The AI handles standard pre-qualification questions. For complex scenarios (bankruptcy, foreclosure, self-employed income), it creates detailed External Support ticket with borrower situation and routes to you for consultation requiring human judgment.
How do I update rates when they change?
Just upload your new rate sheet. The AI's General Search tool immediately uses updated information. Rates drop 0.25%? Upload new sheet and AI quotes the new rate on the next call—no reprogramming.
Ready to stop losing $3K-$8K loan commissions to instant online quotes?
Book a 15-Minute Strategy Session →
See exactly how the AI + tools handle your mortgage broker calls • No sales pitch • Real lending examples
What's Included: AI + Mortgage Broker Tools
Everything you need to capture leads 24/7 and fill your pipeline with qualified borrowers—built specifically for mortgage professionals.
Appointment Scheduler Tool
AI checks your calendar in real-time and books pre-qualification consultations, loan reviews, and follow-up meetings. Borrowers get confirmed appointments 24/7 with automatic SMS confirmations including what documents to bring—no phone tag.
External Support Tool
Creates detailed pre-qualification leads with income, debt, credit estimate, down payment, loan type needed, and urgency. Captures realtor referrals, complex credit scenarios, and jumbo loan inquiries. Routes to you with all info needed for accurate consultation.
General Search Tool
AI searches your uploaded rate sheets, loan programs (FHA/VA/Conventional/Jumbo), document checklists, and borrower status updates to answer questions instantly: "What's today's rate?" "Do I qualify for FHA?" "What documents do I need?" Your exact information, every time.
Your Current Business Phone
Works with your existing phone number—no porting or changes. Borrowers call the number on your business card and website. You decide when AI answers: after hours only, when you're with clients, or 24/7.
See How It Works For Your Mortgage Business
Let us show you exactly how the AI + tools would handle your specific mortgage broker calls. We'll walk through real scenarios:
- After-hours rate inquiry → How the AI provides rate info and books consultation instantly
- Pre-qualification request → How borrower info gets collected for accurate callback
- Realtor referral → How urgent pre-approvals get prioritized and routed
- Document question → How the General Search tool provides loan-specific checklists
No generic demo. Real examples from independent brokers, mortgage teams, and realtor-preferred lenders.
Book Your 15-Minute Strategy Session →
Perfect for loan officers closing 5-15 loans/month who could close 20+ with better lead capture and fewer repetitive calls