Purchase pre-approval
Capture purchase price, down payment, timeline, credit comfort, income type, and realtor status.
Mortgage AI phone system
AI phone system for mortgage and loan officers
Capture pre-approval calls, refinance shoppers, rate questions, document follow-ups, realtor referrals, and urgent loan-status calls without missing high-intent borrowers.
24/7call answering
AIsummaries and transcripts
SMSfollow-up and reminders
CRMcontacts, tasks, routing
What it handles
Built around real mortgage brokers, loan officers, and lending teams calls.
Mortgage calls are high value and time sensitive. If a borrower or referral partner reaches voicemail, the next lender may get the deal.
Refinance inquiry
Capture current loan, rate, balance, goal, property type, and urgency.
Rate shopper
Use approved language and route to a licensed person instead of quoting unsupported terms.
Document follow-up
Capture missing document questions and route to the right file owner.
Realtor referral
Prioritize referral source, buyer name, price range, and urgency.
Loan status
Create a callback task without exposing private loan details.
Common missed-call moments
PhoneMachine keeps the front desk working when your team is busy.
Saturday buyer urgency
A buyer needs a pre-approval letter before an offer deadline. The AI captures the basics and routes urgency while the loan officer is with another client.
Rate-shopper chaos
Borrowers ask for rates without context. The AI uses approved language, captures scenario details, and avoids unsupported quoting.
Realtor trust
Referral partners judge response time. The AI makes sure every realtor call becomes a priority task with full context.
Document follow-up drag
Borrowers call about conditions and missing docs. The AI captures the question and routes it to the file owner.
Knowledge base
The AI follows your rules, not generic phone scripts.
Licensed routingRate, qualification, and loan advice should route to licensed staff using approved language.
Purchase intakePrice range, down payment, location, timeline, realtor, income type, and credit comfort.
Refinance intakeCurrent rate, loan balance, property value, goal, cash-out need, and occupancy.
Document questionsCapture borrower name, loan purpose, document concern, and urgency without exposing private file details.
Never-say rulesDo not quote rates, promise approval, provide legal/tax advice, or discuss protected data without verification.
Example calls
Pre-approval lead
Caller: I need a pre-approval today.
AI: I can collect the basics and route this quickly. Are you buying or refinancing, and what price range are you targeting?
Caller: Buying around $700,000.
AI: Got it — purchase pre-approval around $700,000. I will capture down payment, timeline, and best callback number.
Refinance inquiry
Caller: Can I lower my payment?
AI: I can take the details. Is this for your current primary home, and do you know your current rate or loan balance?
Caller: Primary home, around 6.75%.
AI: I will send that as a refinance review request with your goal and callback window.
Realtor referral
Caller: I am a realtor and need my buyer called now.
AI: I can mark this as a referral priority. What is the buyer name, price range, and best callback number?
Caller: Adam, around $800K.
AI: Referral priority for Adam around $800K. I will route that now.
ROI
One captured loan can justify the entire phone system.
Mortgage opportunities are high value. Capturing one missed purchase or refi lead can cover months or years of AI phone coverage.
Faster referral response
Realtor calls get prioritized.
Better borrower intake
Loan officers get structured scenario notes.
Less missed urgency
After-hours and weekend calls still get captured.
Integrations
Connect the tools your team already uses.
HubSpotSalesforceGoogle SheetsZapierSlack
Pricing
Start with the phone coverage you need now.
Starter
$39/moIncludes AI answering, messages, contacts, scripts, and follow-up tools.
Compare plansGrowth
CustomIncludes AI answering, messages, contacts, scripts, and follow-up tools.
Compare plansPro
CustomIncludes AI answering, messages, contacts, scripts, and follow-up tools.
Compare plansEnterprise
CustomFor teams with custom routing, compliance, or high-volume workflows.
Compare plansPhoneMachine.ai