An AI receptionist for mortgage broker / 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 receptionistWhat 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.
Caller: Need a pre-approval letter.
AI: Yeah perfect, when do you need it by? And do you have a property in mind already or looking?
Caller: Want to refinance.
AI: Got it, what is your current rate and how long have you had the loan? And are you thinking rate-and-term or cash-out?
Caller: Closing this week, problem with underwriting.
AI: Oh okay, that is one we want to get on right now. What is the issue -- documentation request, condition, appraisal? Let me get your loan officer on the line.
Caller: Self-employed, hard to qualify.
AI: Yeah totally hear you. We have bank-statement and non-QM options for self-employed, plus traditional with full doc. Let me get you connected so we can find the right fit.
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
No pricing over the phone — ever. Your AI never quotes hourly rates, ranges, or minimums. Pricing depends on specifics, and that conversation belongs with you (and a member of your team), not with an AI.
- 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