An AI receptionist for mortgage brokers / loan officers.
Trained on the calls a mortgage broker / loan officer actually gets — emergencies, common asks, the urgency cues that matter. Never quotes prices. Never books on its own. Captures every real call so a member of your team can follow up.
Start your VettedCalls AI receptionistWhy Mortgage Brokers / Loan Officers pick VettedCalls
If you run a mortgage broker / loan officer business, you already know the pattern: an unknown number rings, you decline because most are spam, and the one in ten that was a real customer goes to your competitor instead. Carrier spam filters make it worse — they silently auto-reject calls before your phone even rings. VettedCalls puts a 10-second AI screen between the unknown caller and your phone. The AI captures the caller's name and what they need, recognizes mortgage brokers / loan officers-specific urgency cues, and only forwards real calls to you.
The AI is trained on the calls mortgage brokers / loan officers actually get. It treats "rate lock", "closing this week", "pre-approval letter", "underwriting deadline", "appraisal contingency" and similar phrases as emergencies that escalate to your cell immediately, bypassing any schedule or routing. If a caller mentions "need pre-approval letter to make an offer (deadline)", you ring within seconds — no AI hold, no voicemail.
For non-emergency calls — rate lock about to expire (extension or relock), closing this week, underwriting issue, cash-out refinance for renovation / debt consolidation, first-time buyer general questions — the AI captures the caller's name, what they need, and (for service calls) the address. It works through 12 fields naturally in conversation, never as a checklist, so when you call back you have full context instead of "someone called, no message." Real mortgage brokers / loan officers report 30–50% fewer missed real-customer calls in the first month.
One firm rule: the AI never quotes prices over the phone — not hourly rates, not minimums, not a "ballpark." Pricing always depends on the specifics, and that conversation belongs with you (or someone on your team), not with a screening AI. The AI politely deflects pricing questions and gathers enough info that your callback is fast and on-target.
Setup takes about 5 minutes. You keep your existing phone number — VettedCalls uses carrier-level conditional forwarding, so contacts ring you directly and unknown callers route to the AI screener first. After signup, you tap an activation file on your phone, grant permissions, dial one short forwarding code, and you're live. Cancel anytime; no contracts; 14-day money-back if it isn't a fit for your mortgage broker / loan officer business.
What we cover
residential mortgage origination -- purchase loans, refinance (rate-and-term, cash-out), conventional, FHA, VA, USDA, jumbo, first-time buyer programs, investment property loans, second homes, and HELOC/home equity. Licensed under NMLS
Purchase loans
- Conventional
- FHA
- VA
- USDA
- Jumbo
- First-time buyer programs
Refinance
- Rate-and-term refinance
- Cash-out refinance
- HELOC / home equity
- Streamline (FHA / VA)
Specialty
- Investment property loans
- Second-home loans
- Bridge loans
- Bank-statement / non-QM (self-employed)
The calls your AI is ready for
- Need pre-approval letter to make an offer (deadline) EMERGENCY (deal-loss risk)
- Rate lock about to expire (extension or relock) priority (rate risk)
- Closing this week, underwriting issue priority (closing pressure)
- Appraisal contingency expiring priority
- Realtor referral (new pre-approval inquiry) priority (lead conversion)
- Refinance inquiry (rate dropped) priority (rate window)
- Cash-out refinance for renovation / debt consolidation standard quote
- First-time buyer general questions standard schedule
- Investment property loan inquiry standard schedule
- VA loan inquiry (military / veteran) standard schedule
- Pre-qual update (already worked with operator) standard schedule
Emergency triggers your AI watches for
If a caller mentions any of these, the call escalates to you immediately — no schedule, no AI hold, no voicemail.
- rate lock
- closing this week
- pre-approval letter
- underwriting deadline
- appraisal contingency
- lock my rate
- offer pending
- making offer today
Sample exchanges
Real example responses your AI is trained on for mortgage broker / loan officer calls.
What your AI captures on every call
- Their name (don't ask for callback number -- caller ID handles it; do the last-four confirm)
- Loan purpose -- purchase, refinance, cash-out, second home, investment
- Property address (or "looking" for buyers)
- Estimated home value or purchase price
- Estimated down payment available
- Credit score range if they will share (excellent / good / fair)
- Annual income range
- Employment type (W-2, self-employed, retired)
- Timeline -- making offer this week, this month, just exploring
- For refi: current rate and how long they have had the loan
- For VA: military service status
- For investor: how many properties currently owned
Trust signals it weaves in naturally
Not recited like a script — referenced when relevant.
- NMLS-licensed loan officer
- Multiple lender options (independent broker)
- Fast pre-approvals (often same-day)
- Realtor and CPA network for referrals
What your AI never does
- Never books or schedules appointments — gathers info + timing only
- Never says "free estimate" or "free quote"
- Never asks for your caller's email
- Never claims to be human (deflects with humor)
- Confirms the callback by last-four digits — doesn't ask for a number it already has
Related professions
VettedCalls covers 56 trades — these are the closest fits if you wear more than one hat.