Updated September 2026
An AI receptionist for mortgage brokers.
Every rate shopper and realtor referral answered in seconds and booked with your loan officer.
Kevin L.
Wed, Apr 8, 9:46 PM · 2:37
Ad form lead. First home around $450K, wants to buy by summer. Call booked 9 AM.
(714) 555 0129
Wed, Apr 8, 1:15 PM · 1:20
Asked for a rate on a 30 year. Told a loan officer covers rates. Wants a call back after 5.
Angela P.
Tue, Apr 7, 4:02 PM · 0:55
Realtor partner with a buyer in contract. Sent straight to your loan officer.
Sam W.
Tue, Apr 7, 10:30 AM · 2:10
Wants to refinance and pull cash out for a remodel. Call booked Thursday 2 PM.
What it does for mortgage brokers
An AI receptionist for mortgage brokers answers every call, text and ad form lead in seconds. It asks your intake questions, like purchase or refinance, price range and timeline, and books the call with your loan officer. It never quotes rates or gives loan advice. Your licensed team does that.
- 7secondsMedian first reply to a new text, DM or form lead.
- 62%Of leads first reach out after hours or on a weekend.
- 141Appointments the AI booked, the typical one 13 minutes after the lead's first message.
Our figures as of September 29, 2026. Measured on 858 real leads across 8 client businesses (home services, real estate, business funding, and credit repair) from June to September 2026. Test contacts excluded.
Hear it handle a call like yours
The kind of call mortgage brokers get at the worst possible time, answered and booked while you work. Then try it yourself.
- AI: Thanks for calling Harbor Home Loans. Are you looking to buy or refinance?
- Customer: Buy. We're looking at houses but haven't talked to a lender yet.
- AI: Great, I can set you up with one of our loan officers. Roughly what price range, and when are you hoping to move?
- Customer: Around 500 thousand. Hopefully by summer.
- AI: Got it. Is this your first home, and do you have a down payment in mind?
- Customer: First home. We've saved about 10 percent. What rate would we get?
- AI: Rates depend on your full picture, so your loan officer will go over real numbers with you. I have tomorrow at 9 AM or 12:30 PM. Which is better?
- Customer: 9 works.
- AI: You're booked for 9 AM with Dana. I'll text you a confirmation and a short list of what to have ready.
Calls it handles
A rate shopper from an ad form
They filled out three forms tonight. The AI texts back in seconds, gets the basics and books a call with your loan officer before the other brokers wake up.
A buyer who needs a letter fast
They found a house and need a preapproval letter. The AI gathers what your loan officer asks for and books the soonest open call.
A realtor referral
A partner agent sends a buyer your way. The AI answers right away, books the call and texts you the details so you can update your partner.
Booked by your rules
It books only inside the hours your loan officers take calls and never on a day you blocked. Each call lands with purchase or refinance, price range, timeline and how they found you.
Text from your AInow
New booking: Kevin L. Ad form lead. First home around $450K, wants to buy by summer. Call booked 9 AM.
- Our CRMThe lead, their answers and the whole conversation.
- Its calendarOn a real opening inside the hours you set.
- Your dashboardWith the call recording and a one-line summary.
- A text to your phoneThe moment it books, with the details.
After the call it keeps working
Follow-up written for every lead
A lead goes quiet? It follows up for weeks until they book or say no. Every follow-up is written for that one lead.
One memory across every channel
They DM at lunch, text at nine and call the next day. It already knows what they asked.
More reviews and fewer bad ones
After the appointment the AI checks in. Happy clients get your Google review link. Unhappy ones come to you first.
Kevin L.
Completed · loan closed
Review Harbor Home Loans on Google
g.page/r/harbor-home-loans/review
How it compares
Three ways owners cover the phone today, and what each one leaves on the table.
An answering service
- Billed by the minute or by the call
- A person takes a message for you
- Booking, follow-up and chat often cost extra
An in-house receptionist
- A salary, plus payroll taxes and time off
- One call at a time, during business hours
- Texts and DMs wait until there's a minute
A DIY AI tool
- You set it up and write its script
- Minutes metered, texting and follow-up often add-ons
- Nobody tunes it to how you sell
TheContentLabs.AI: a flat plan from $497 a month, phone usage at cost. Every call, text and DM answered, booked by your rules and followed up. We build it and run it.
Common questions
Will it quote rates?
No. Rates depend on the borrower's full picture, so it tells callers a loan officer will go over real numbers and books that call. It never gives loan advice or promises a loan decision.
Can it handle leads from my ads and rate sites?
Yes. It texts and calls new form leads in seconds, day or night. Those leads often fill out several forms, and the broker who reaches them first usually gets the conversation.
What happens with my realtor referrals?
You decide. It can send referral partners straight to your phone or book their buyer on the soonest open call, then text you the details.
Does it ask my intake questions?
Yes. Purchase or refinance, price range, timeline, first home or not and anything else your team asks. The answers save to the lead so your loan officer starts the call ready.
Does it speak Spanish?
Yes. It answers in the language the borrower speaks or writes in.
More businesses that sell on a call
Same system, set up for how each one qualifies and books the call.
See what every missed lead is costing you.
A free Missed Revenue Audit puts a dollar figure on every call, text and DM you miss or answer too slowly, including the ones your ads paid for. The numbers are yours to keep.