The mortgage chatbot that books borrowers with your loan officers.
An AI chat assistant for loan officers and brokers that answers borrowers 24/7 in your website chat, by text and in Instagram, Facebook and WhatsApp messages. It asks the intake questions, books a licensed loan officer and leaves rates to your LOs. From $197 a month.
What is a mortgage chatbot?
A mortgage chatbot is AI software that answers borrower questions in your website chat, text messages and social inboxes, collects loan purpose and timeline, and books a consult on a licensed loan officer's calendar. TheBigBot's version answers from one knowledge base on every channel, hands rate and program advice to your LOs, and starts at $197 a month.
What does a mortgage chatbot do for a loan officer?
It answers the borrower who is shopping at 9pm, qualifies the conversation, and hands your LOs a booked consult instead of an unread message.
Answers on every channel
Website chat, text, Instagram, Facebook Messenger, WhatsApp and email, from one assistant and one inbox.
Asks the intake questions
Purchase or refinance, property, timeline, and whether a realtor is involved, in mortgage vocabulary: FHA, VA, USDA, conventional, DSCR.
Books from the chat
Checks each loan officer's live availability and books the consult without the borrower leaving the conversation.
Hands off to a licensed LO
When a loan officer is online the chat goes to them first. When the borrower asks for a person, it passes the conversation over with full context.
Follows up new web leads
Every new website lead gets a text and an email within 60 seconds, so the borrower hears from you before the next lender.
Replies in the borrower's language
It answers in the language the borrower wrote in, with the conversation saved to the contact record for the LO.
Why the first reply 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. A borrower whose chat goes unanswered at 9pm has usually filled in a second lender's form by morning. For the mortgage-specific numbers, read the 5-minute window that wins mortgage leads.
What does a cash-out refinance chat look like?
A scripted example of an evening website chat, written to show the flow. Your chatbot uses your answers, your loan officers' calendars and your rules.
- AI
- Hi, I'm the Harbour Mortgage assistant. Are you looking to buy, refinance, or just exploring numbers?
- Visitor
- Thinking about a cash-out refi to pay off some credit cards. Is that a good idea right now?
- AI
- That depends on your current rate, your balance and what you would pay off, so a licensed loan officer should run it with you. I can set that up. Roughly what is the home worth, and what do you still owe?
- Visitor
- Worth about 450, we owe around 260.
- AI
- Thanks. Is this the home you live in?
- Visitor
- Yes. Can you just tell me what rate I'd get?
- AI
- I can't quote a rate in chat, because it depends on your full application. Elena is one of our licensed loan officers and can walk you through cash-out options and pricing. She has 15 minutes open tomorrow at 12:30 pm or 6:00 pm. Which works better?
- Visitor
- 6pm.
- AI
- You're booked with Elena tomorrow at 6:00 pm. What's the best mobile number for your confirmation text?
Can a mortgage chatbot stay compliant?
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
- Passes the conversation to your team when asked
Anything that sounds like an offer or advice
- Quoting a rate as an offer to that borrower
- Discussing terms based on 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. Keep your chatbot on the clerical side, have your compliance lead approve the script, and check your state's licensing rules before go-live.
Texting borrowers adds carrier and TCPA rules on top: registered A2P 10DLC traffic, documented opt-in and working STOP handling. Our A2P compliance checklist covers what that takes and which parts we handle.
Contact form, basic chatbot or AI mortgage assistant?
Most mortgage websites still answer an evening visitor with a form or a button-menu bot. Here is what each one does with the same borrower.
| Contact form | Button-menu chatbot | TheBigBot AI | |
|---|---|---|---|
| After hours | The message waits for the morning | Answers, but only from its menu | Answers the borrower's own question, every hour of every day |
| Free-text questions | No reply until someone reads it | Only questions that match a button or keyword | Yes, answered from your loan programs and FAQs |
| Booking the LO | No, someone calls back | Sometimes, by sending a booking link | Yes, a real slot booked inside the chat |
| Channels | Website only | Usually website only | Website chat, text, Instagram, Facebook, WhatsApp and email |
| Rate questions | No reply | A canned line, or nothing | Explains pricing depends on the full application and books a licensed LO |
| Handing over to a person | The lead waits for a callback | Often no route to a person | Goes to an online LO first, otherwise passed on with full context |
| After the conversation | An email notification | Depends on the tool | CRM contact, full transcript in the unified inbox, booked consult |
Want phone calls covered too? The AI receptionist for mortgage brokers answers borrower calls the same way. Comparing full platforms? Read our best mortgage CRM guide.
What does each plan include for a mortgage team?
The mortgage chatbot is part of both plans, inside the full TheBigBot mortgage CRM. You pay the flat plan price, a one-time $499 setup, and usage (AI tokens and text messages) at the published rates.
Authority Launch
Mortgage website, CRM, AI chat and automations, set up for you and live in three days.
- Website chat with AI that answers 24/7 and books in the chat
- The same assistant on text, Instagram, Facebook, WhatsApp and email
- 7 mortgage calculators: FHA, VA, USDA, conventional, refinance, affordability, mortgage
- Usage (AI tokens, text messages) itemised on your statement
Authority Pro
Everything in Launch, plus 3 SEO blog posts and 3 social posts a week published under your brand.
- Website chat with AI that answers 24/7 and books in the chat
- The same assistant on text, Instagram, Facebook, WhatsApp and email
- 7 mortgage calculators, plus done-for-you content
- Usage (AI tokens, text messages) 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 add a chatbot to my mortgage website?
We do the build. Authority Launch is live 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.
Add the chat to your site
One line of code, on any website, including ones we did not build. Or use the mortgage website included in your plan.
Connect your channels
Text, Instagram, Facebook and WhatsApp are linked to the same assistant and the same inbox during onboarding.
Load answers and calendars
Your loan programs, the questions borrowers ask every week, your rules for rate questions, and each loan officer's calendar.
Register texting, then go live
A2P SMS registration is submitted for you so confirmation texts reach borrowers, and the chat flow is tested first.
127+ businesses. Four industries. One platform.
What operators say about TheBigBot's AI, 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 loan officers ask about mortgage chatbots?
What is a mortgage chatbot?+
Can a mortgage chatbot quote rates?+
Does it take the loan application?+
Which channels does it answer on?+
What happens when a borrower wants to talk to a person?+
Do borrowers know they are chatting with an AI?+
Is TheBigBot the same as MortgageBot LOS?+
Do I need a new website to use it?+
How much does a mortgage chatbot cost?+
Stop letting borrower chats wait until morning.
Included in every TheBigBot plan. Live on your website in 3 days.
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