AI loan officer assistant · Works inside your CRM

Every Lead Answered.Every Quote Real.Every Loan Officer,10X the Reach.

Loan Officer Assistant is an AI employee for every loan officer, mortgage broker and mortgage banker. It texts every new lead within a minute, calls them in your own voice, answers every reply around the clock, prices live lender rate sheets with the adjustments applied, sends a quote page the borrower can open on their phone, and hands you a borrower who’s ready: live on the phone, on your calendar, or in the application. It all happens inside the CRM you already use.

Book a 15-minute walkthrough See a quote page

Built with three top-producing brokers running a 40-loan-officer team · Closing loans today · You approve anything you want eyes on

Outbound texts and calls follow permitted contact windows and your controls.

Works inside your CRM
SMS, email, and voice outreach
Live lender pricing and quote pages
Loan officer stays in control

The problem

You don’t lose leads because you don’t care. You lose them because you’re one person.

Leads land at 11 PM, during a closing, while you’re on another call. The borrower who texts back at midnight wants a number, and the LO who sends one first usually wins. Follow-up fades after the second touch. Old leads sit in the CRM going cold. The top producers on your team solved this by hiring help. Everyone else is still doing it alone.

The lead who waited too long.

Speed to lead decides the deal before you’ve finished your current call.

The borrower who asked for a rate.

A generic reply doesn’t move anyone. A real number on their phone does.

The book nobody’s working.

Hundreds of past leads in your CRM, and nobody has time to text them.

How it works

One record per lead. One loop that keeps turning until they apply, book, or say stop.

01
The lead lands in your CRM.
The assistant sees it immediately and pulls the property record: value, estimated balance, equity, purchase date.
02
First touch, within a minute.
A text and, when permitted, a call in your voice, introducing itself honestly as your assistant, plus your business card by MMS and an intro email. Or it waits for your CRM drip to send first, if that’s how you work.
03
Every reply answered.
Day or night, with full memory of the thread, the lead form, and the house. It asks one short question at a time and only asks what it doesn’t already know.
04
Real numbers.
When the borrower is ready, it prices today’s lender sheets and sends a branded quote page, automatically or for your approval, under your settings.
05
You step in with a ready borrower.
A live transfer to your phone, a call on your calendar, or a started application. You get the alert, and the lead is warm.
06
Quiet leads come back around.
Anyone who goes silent drops into re-engagement on the cadence you set. Anyone who says STOP is out for good.

Lead engagementIllustrative workflow

1
New lead lands in your CRM
Sarah K. · 412 Magnolia Dr, Austin TX
2
Property record pulled
Est. value $612K · Est. balance $318K · Equity $294K
3
Text sent
Hi Sarah, this is Dan’s assistant at Example Mortgage. Looks like you’ve built nice equity on Magnolia. What’s the goal: lower payment or cash out?
4
Reply received
Cash out, maybe 50k for the kitchen
5
Priced across live lender sheets
3 options + HELOC
6
Quote page sent
Opened 2 minutes later
7
Call placed in Dan’s voice
Borrower ready to talk
Live transfer
Dan’s phone rings. The call is bridged.

SMS Quotes Voice

Command Center · Telegram

Sarah opened her quote. She’s ready to talk. Approve a call or offer two openings?

Example borrower, property estimates, and company. Not a live feed or loan offer.

Texting, calling, pricing, quotes, and your CRM pipeline aren’t five tools. They’re one loop.

SMS assistant

It works every lead, every day, in your voice.

Your assistant writes the way you write, follows your rules, and never sends a message you’ve told it not to.

Instant first touch: New leads hear from you in under a minute, within permitted contact windows. Or set a delay so your CRM drip opens first.
Day-0 sequence: Opener, business card by MMS, a 30-minute and a 4-hour follow-up, and an intro email, each in its own window.
Discovery that leads with data: It opens with what public records already show and asks only what’s missing: goal, balance, credit, occupancy. No 20-question interrogation.
One question per text: Short, human messages that keep the conversation focused.
The two-path ask: Once a lead has shared enough, the assistant offers your application link or a quick call, then handles whichever they pick.
Call booking: It offers two real openings from your calendar and books the one they choose.
Quiet-lead sequence: A lead who replied and went quiet gets a call-time offer, then the application link, then a “keep it open or close it out?” check, on your cadence.
Re-engagement: Dormant leads get a relevant question tied to what they originally asked for, not “just checking in.”
Carrier recovery: If a carrier blocks a text, the assistant rewords and re-sends it.
Honest by design: It introduces itself as your assistant, handles low credit scores with care, and never promises a program a score can’t get.
Human first: The moment you text a lead yourself, the assistant steps back for 24 hours.

Measured on the owner’s live system: 60% of new leads replied in 30 days · 32 always-on lanes working the book · Every reply answered, drafted for approval, or correctly held

Live pricing

Real numbers, not teasers.

Every weekday morning, the assistant logs into lender portals, pulls the day’s rate sheets, and applies each lender’s own price adjustments: credit score by LTV, purpose, occupancy, property type, units, loan size, state. The number your borrower sees is the number you can deliver.

Daily lender pulls: Fresh sheets from 9 wholesale lenders every weekday, covering conventional, FHA, VA, jumbo, non-QM, DSCR, HELOC, and HELOAN.
Each lender’s own adjusters: Every lender’s ladder is priced with its own grid. If a lender doesn’t allow a scenario, the option is removed with the reason.
Program caps enforced: Borrowers aren’t shown a product their LTV or credit can’t get.
Par or buydown: Quote at par by default, or show buydown steps when you want points on the table.
Second liens done right: HELOC and HELOAN priced from live band grids by credit and combined LTV.
56 lenders’ guidelines on file: 2,137 program facts across 248 documents. The assistant matches borrowers to lenders and answers your guideline questions in chat.
Live Rates board: Today’s par rates by lender and product on one page. Stale sheets are flagged and pulled from quoting automatically.
Rate watch: It drafts an alert when rates hit a lead’s target, and nothing sends until you approve it.

“Shows the lowest real number first, with the condition that earns it. Says which inputs are estimates. Never invents one.”

Quote engines

From “what’s my rate?” to a quote on their phone in minutes.

Four ways to put real numbers in front of a borrower. All priced by the same engine, all landing on the same branded quote page.

Quote Engine: Search a borrower and the form fills itself from your CRM and the property record. Drop in a credit report and the debts fill too. Build up to three options side by side: payment, cash to borrower, closing costs, and the change from what they pay today.
Auto-build: One click prices the scenario across every lender and program and returns the best two or three options. It adds a HELOC when cash is the goal.
Quote on request: When a lead asks for numbers mid-conversation, the assistant builds the quote itself or drafts it for your approval. You choose.
Mass Quotes: “Quote my last 20 leads.” Pick a group and send every one a personalized quote by text and email. You see who’s quotable and who’s skipped, with reasons, before anything goes out.
Branded quote pages: Your name, photo, company, and licensing. Mobile-first options with every line item.
Opens get a follow-up: When the borrower opens the page, the assistant sends one contextual follow-up a few minutes later, and you’re alerted.
Quote Library: Every quote ever sent, who opened it, and the exact page they saw.

A quote page, branded to you.

Payment, cash to borrower, closing costs, and the change from today’s payment — together on the borrower’s phone. See a working quote page in your walkthrough.

Request a quote-page walkthrough →

1,064 quote pages built on the owner’s book, measured October 12, 2026. Quotes are scenario-specific and subject to lender requirements; estimates are labeled.

Loan file tools

It doesn’t stop at the conversation.

The parts of the file that eat your afternoon are built in.

Pre-approval letters: A hosted, branded letter from the amount, program, and terms you approve. Make one from the dashboard, or say “pre-approve Paula for 400k FHA.”
Max approval: Standard and stretch figures from income and debts, before you write the letter.
Credit report reader: Upload a report and the score and every debt flow into the quote and consolidation math in under 30 seconds.
Debt consolidation math: Shows the borrower exactly what rolling their debts in does to their monthly payment.
1003 / MISMO builder: It builds the loan application from what you and the borrower have provided and exports a MISMO file your LOS and lender portals accept.
Loans In Process: Every active file in one place: lender, loan number, appraisal, close date, processor, documents in and outstanding.
In-process borrowers stay human: A borrower with a live file never gets an autopilot reply. The assistant drafts, and you approve, edit, or reject.
Document commitments: It tracks what the borrower promised to send and when, and prompts at the right moment.
Abandoned applications: It spots a stalled application and nudges with the right next step.

Voice assistant

Your number. Your voice. Your borrower, handed to you live.

The phone assistant calls your leads, answers your line, and hands you a live borrower mid-call. It runs on your own number, introduces itself as your assistant, and shares one memory with the texting assistant. What a borrower says on a call is known by text, and nobody gets double-worked.

Calls when a lead lands: The first call follows your contact windows and controls, then your ladder: several times a day at first, then daily, then every few days, with caps per lead and per day.
You choose who it calls: New leads only, leads who already replied by text, or your whole book. A lead who texts asking for a call can get one right away.
Live transfer: It introduces you in your words, rings your phone, and bridges the call. Transfer hours, days, and cooldowns are your settings.
Call-back promise: If you’re on another call, it promises a call-back within the minutes you set, and the system holds you to it.
Your own voice: Pick a voice, including a clone of your own, and set how names are pronounced and what the assistant calls you.
Natural conversation: Tuned for quick replies, with a thinking sound you choose, so the line never goes dead.
Text and voice in sync: Texts pause for the hours you set after a real conversation, so a borrower who just talked to you isn’t texted on top of it.
Call lists and voicemail: Call by campaign, stage, or upload. Leave your recorded message when a call goes to voicemail.
Nightly call review: Every call is transcribed and reviewed overnight, with a summary of what worked and what didn’t.

AI-generated voice outreach requires the applicable borrower consent. Review lead-form consent and calling practices with your compliance team before activation.

Command Center

You set the rules. It does the work.

One login, one sidebar, every control. Nothing needs a developer. Every switch is a sentence in plain English.

Today: Your morning brief: what happened overnight, who’s hot, what needs a decision, today’s market read.
Rules & Guidelines: Your standing rules in plain English, applied to every text and every quote.
Cadence: Texts per day and the minimum gap, by lead age. Set it once and every lane obeys it.
Approvals: Full auto, approve-first, or off. Drafts wait for your yes, with edit and reject.
Talk to your assistant: Ask about any lead, give an order, or approve a draft, from the dashboard or Telegram. “Wait 30 minutes before the first text” becomes a previewed, confirmed setting.
Lead Data: Which lead sources produce replies, applications, and bookings, with cost per lead, so ad spend goes where it converts.
Voice: Your numbers, your voice pick, availability, transfer settings, and a test call.
Spending: Model and messaging spend, with a daily cap you set.
Pause Assistant: One red switch stops every proactive send on the spot.

137 settings in 10 plain-English sections · 73 things you can ask your assistant to do · 30 dashboard pages

Safety and compliance

Every message passes one gate. No exceptions.

Every outbound message goes through a send gate with more than 30 checks, in a fixed order. No part of the system can route around it.

TCPA window: Texts only between 8 AM and 9 PM in the lead’s own time zone. A late text is held until morning, never dropped.
Calls with guardrails: Call caps per lead and per day, transfer hours you set, and an assistant that introduces itself as your assistant on every call.
STOP means stop: One compliant acknowledgement and an immediate, permanent opt-out in your CRM. DNC flags, wrong numbers, and dead files are honored everywhere.
Honest identity: The assistant never claims to be you and never leaks another officer’s name or brand. A check on every restart blocks any deploy that would break this.
Honest numbers: A validator rejects impossible rates and payments. Unknown inputs are labeled as estimates.
Carrier-safe: Short messages, no stacked questions, no cold links, and hourly and daily volume budgets.
Never repeats: A ledger of every sent message, duplicate detection, and one quote per lead.
Every message logged with its reason: Any send, or any block, can be audited.

Your CRM, not another inbox

It works inside your CRM. Your pipeline keeps itself current.

No migration and no second inbox. The assistant works inside the CRM your team already runs on. It integrates with Bonzo and with other CRMs that have a compatible API.

Real-time hooks: New leads and inbound texts reach the assistant the instant your CRM sees them, with a polling safety net.
Two-way sync: Every text the assistant sends and receives is in the CRM thread. It reads your notes before it speaks.
Stage sync: Engaged, future follow-up, in process, booked. The board moves itself.
Campaign aware: It knows which campaign each lead is in and stays out of drips you’ve marked as yours.
Landline routing: It detects landlines, stops texting them, alerts you to call, and moves them to email.

Built on a real desk

Built with three of the top brokers in the business. Closing loans today.

Loan Officer Assistant wasn’t designed in a lab. It was built to meet the demands of three top-producing brokers running a 40-loan-officer team, tested on their live books, and it’s closing loans now.

972: Leads worked
1,064: Quote pages
60%: New-lead reply rate · 30 days
37: Applications tracked

Measured on the owner’s live system October 12, 2026. These results are not a guarantee of future performance.

Built for teams

For the loan officer, the team lead, and the whole organization.

Loan officers

Every lead worked, every quote real, and your evenings back.

Team leads and branch managers

Consistent follow-up across every LO, a pipeline that updates itself, and Lead Data that shows which sources pay off.

The organization

One dedicated assistant per officer, on its own server, with its own credentials, phone number, voice, and memory. Nothing one officer sets or learns leaks to another. It rolls out across your teams' CRM accounts without changing how your teams work.

FAQ

Straight answers.

Does it replace my loan officers?

No. It does the follow-up, the pricing legwork, and the paperwork, so your LOs spend their time talking to ready borrowers.

Will borrowers know it’s AI?

It introduces itself honestly as the loan officer’s assistant, by text and on the phone.

Does it really call in my voice?

Yes, if you choose. Pick a voice or use a clone of your own, on your own number. When a borrower is ready, it rings your phone and bridges the call.

Does it send quotes without me?

Only if you turn that on. Quotes go out on your switch or your order.

What if a borrower has a live loan file?

It only drafts. You approve every reply.

Do I have to change CRMs?

No. It works inside your CRM. It integrates with Bonzo and with other CRMs that have a compatible API.

What does it cost?

See Pricing. Start with one loan officer and add assistants any time.

Pricing

One assistant per loan officer. One flat monthly price.

Every assistant runs on its own dedicated server, with its own CRM connection, its own voice, and its own memory. Spend caps are set by you.

Loan Officer

$497/ month

A single LO who wants every lead worked.

Texting, voice & email inside your CRM
Live lender pricing and quote pages
Quote Engine, auto-build & Mass Quotes
Pre-approvals, 1003/MISMO & credit report reader
Command Center & Telegram

Start with one LO

Your next lead is landing right now. Someone should answer it.

Give every loan officer on your team an assistant that texts, prices, quotes, and books, inside your CRM, under your rules.

Solo loan officer

Every lead worked, with your own voice and memory.

Branch / team

Roll out across your CRM accounts without changing how your team works.

Talk to the team: hello@loanofficerassistant.ai