The AI receptionist for mortgage brokers that books the borrower with your loan officer.
Every borrower, realtor and client call answered 24/7 on your existing number, in English, Spanish, French or Mandarin. It asks the intake questions, books the consult on a licensed loan officer's calendar or transfers the live call, and leaves rate and program advice to your LOs. From $197 a month.
What is an AI receptionist for mortgage brokers?
An AI receptionist for mortgage brokers is phone software that answers borrower, realtor and client calls 24/7, asks loan purpose and timeline, and books the consult on a licensed loan officer's calendar or transfers the live call. TheBigBot's version picks up in under a second, in four languages, from $197 a month.
What does an AI receptionist do for a loan officer?
It covers the phone while your LOs are in a closing, on a showing or off the clock, and hands them booked, qualified conversations.
Answers while you are with a borrower
Picks up in under a second at 7pm, on a Saturday or during a closing. Borrowers never reach voicemail.
Asks the intake questions
Purchase or refinance, property, timeline, and whether a realtor is involved, in mortgage vocabulary: FHA, VA, USDA, conventional, DSCR.
Books on the LO's calendar
Reads each loan officer's live availability during the call and confirms a real slot before the borrower hangs up.
Transfers to a licensed LO
When the caller asks for a person, or your rules say a call needs a loan officer, the live call goes straight to your team.
Texts the next step
Sends the booking confirmation and your document checklist, and gives the LO a call summary in the CRM.
Speaks the borrower's language
English, Spanish, French and Mandarin on the same number. No separate line, no menu to press.
Why the first answer matters. In a study of 1.25 million sales leads published in Harvard Business Review, firms that tried to reach a lead within an hour were nearly seven times as likely to qualify it as firms that waited even an hour longer. In the same research, the average response time across 2,241 audited U.S. companies was 42 hours (source checked 16 September 2026). A borrower who reaches voicemail at 7pm is a lead waiting until tomorrow. For the mortgage-specific numbers, read the 5-minute window that wins mortgage leads.
Which mortgage calls can an AI receptionist handle?
The calls that fill a loan officer's day. Each one gets its own script and rules.
Rate questions
"What's your rate on a 30-year?" It explains that pricing depends on the borrower's full scenario, captures loan purpose and timeline, and books the loan officer to talk numbers.
Pre-approval inquiries
Asks whether it is a purchase, when they hope to buy and who their agent is, then books the pre-approval consult and texts the document checklist.
Document follow-ups
"Did you get my pay stubs?" It texts the question and the caller's number to the LO or processor, or transfers the call, based on your rules.
Realtor calls
An agent asking about a buyer's pre-approval letter or closing date is routed to the loan officer live, so referral partners never sit in voicemail.
After-hours purchase leads
The buyer who calls after a Sunday open house gets answered, qualified and booked into the next open slot on Monday.
Non-English speakers
Spanish, French and Mandarin speaking borrowers are answered in their language on your main number, with the notes in the CRM for the LO.
What does an FHA pre-approval call sound like?
A scripted example of an evening call from a first-time buyer, written to show the flow. Your AI uses your scripts, your loan officers' calendars and your rules.
- AI
- Thanks for calling Harbour Mortgage, this is the assistant. How can I help?
- Caller
- Hi, we're buying our first house and our agent said we should get pre-approved for an FHA loan. How does that work?
- AI
- I can get that started. A licensed loan officer will walk you through the FHA details. First, is this for a home you plan to live in, and roughly when are you hoping to buy?
- Caller
- Yes, we'd live there. Hopefully in the next three months. We're already going to showings.
- AI
- Got it. And who is your real estate agent?
- Caller
- Priya at Northside Realty. Also, what rate would we get on an FHA loan?
- AI
- Your rate depends on your full application, so I won't guess on this call. Dana is one of our licensed loan officers and can go through FHA pricing with you. She has a 20-minute call open tomorrow at 9:30 am or Thursday at 5:00 pm. Which works better?
- Caller
- Tomorrow at 9:30.
- AI
- You're booked with Dana tomorrow at 9:30 am. I'll text you the confirmation and a short list of documents she'll ask for. Is this the best number to reach you on?
- Caller
- Yes, that's great. Thank you.
Does an AI receptionist stay compliant for a mortgage business?
It stays inside the lines your script sets. Here is where most brokers draw them. This is general information, not legal advice.
Answering, intake and scheduling
- Answers and introduces itself as the assistant
- Collects name, number, loan purpose, timeline and agent
- Books the consult on a loan officer's calendar
- Texts the confirmation and your document checklist
- Transfers the live call, or passes on questions it can't answer
Anything that sounds like an offer or advice
- Quoting a rate as an offer to that caller
- Discussing terms based on the caller's income, credit or debts
- Recommending FHA, VA, conventional or any other program
- Taking the loan application
- Anything that reads as a promise of approval
The split follows how federal rules define the job. Under Regulation Z, a loan originator (12 CFR 1026.36) is someone who, for compensation, takes an application or offers, arranges, assists with or negotiates credit terms. The same section excludes people who perform purely administrative or clerical tasks for a loan originator (regulation checked 16 September 2026). Keep your AI receptionist on the clerical side, have your compliance lead approve the script, and check your state's licensing rules before go-live.
How much does it cost vs a loan officer assistant or answering service?
Receptionist pay is the U.S. Bureau of Labor Statistics median for May 2025, checked 16 September 2026. BLS does not publish a separate figure for loan officer assistants. Answering-service pricing is a typical published starting price.
| In-house receptionist or assistant | Human answering service | TheBigBot AI | |
|---|---|---|---|
| Cost | $38,010 a year median pay for receptionists (BLS, May 2025) | From about $250/mo, per minute or per call | $197 or $497/mo flat, $499 one-time setup, AI minutes at $0.12 to $0.24 |
| After hours and weekends | Office hours only | Yes, on plans that include it | Yes, every hour of every day |
| Several borrower calls at once | One call at a time | Limited by staff on shift | Yes, no queue |
| Books on the LO's calendar | Yes, with calendar access | Sometimes, from a shared calendar | Yes, from live availability, confirmed on the call |
| Rate and program advice | Not their role unless licensed | No, takes a message | No, books or transfers to a licensed LO |
| Languages | Whoever you hire | English, Spanish on some plans | English, Spanish, French, Mandarin on one number |
| After the call | Notes, if someone writes them | A message to you | CRM record, confirmation text, summary to the LO |
For context, BLS puts median loan officer pay at $76,690 a year (May 2025). See how the receptionist works across industries on the AI receptionist page, or compare full platforms in our best mortgage CRM guide.
What does each plan include for a mortgage team?
The AI receptionist is part of both plans, inside the full TheBigBot mortgage CRM. You pay the flat plan price, a one-time $499 setup, and AI minutes at the published usage rate. A typical two-minute call costs 25 to 50 cents.
Authority Launch
Mortgage website, CRM, AI receptionist and automations, set up for you and live in three days.
- 1 AI receptionist on your number, 24/7
- Booking onto your loan officers' calendars, live transfer, SMS fallback
- 7 mortgage calculators: FHA, VA, USDA, conventional, refinance, affordability, mortgage
- AI minutes at $0.12 to $0.24, itemised on your statement
Authority Pro
Everything in Launch, plus 3 SEO blog posts and 3 social posts a week published under your brand.
- 1 AI receptionist on your number, 24/7
- Booking onto your loan officers' calendars, live transfer, SMS fallback
- 7 mortgage calculators, plus done-for-you content
- AI minutes at $0.12 to $0.24, itemised on your statement
Every rate is on the usage fees page. Both plans include all 22 platform features and run month to month.
How do I set up an AI receptionist for my mortgage office?
We do the build. Authority Launch is answering your number three days after we receive your onboarding details.
Book a demo
A 20-minute walkthrough with your name, your loan programs and your calendar.
Send your onboarding details
Brand assets, business info and integration credentials. The 3-day clock starts here.
Connect your number
The receptionist answers on the number borrowers and realtors already call.
Load calendars and scripts
Each loan officer's calendar, your intake questions, and your rules for rate questions and transfers.
Register texting
A2P SMS registration is submitted for you so confirmation texts reach borrowers.
Test, then go live
The call flow is tested before it takes a real borrower call.
127+ businesses. Four industries. One platform.
What operators say about the AI answering their calls, starting with mortgage.
The AI receptionist booked 14 appointments in my first week without me lifting a finger. This is pure revenue I wasn't seeing before — and it never sleeps.
Database reactivation woke up $2.1M in dormant prospects. My pipeline doubled. My assistant thinks I hired four new people — I just flipped one switch.
After-hours calls used to go to voicemail. Now the AI answers every one, qualifies the case, and books a consult. Booked 11 new clients last month from calls I would've missed.
What do mortgage brokers ask about AI receptionists?
Can an AI receptionist quote mortgage rates?+
Does it take the loan application?+
Can it book calls for more than one loan officer?+
What happens when a realtor calls?+
Can it answer Spanish-speaking borrowers?+
Do borrowers know they are talking to an AI?+
How much does an AI receptionist cost for a mortgage team?+
Is the AI receptionist separate from the mortgage CRM?+
Stop sending borrower calls to voicemail.
Included in every TheBigBot plan. Answering your number in 3 days.
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