AI Engine · AI Receptionist
An AI receptionist that answers when you can't
Borrowers call during your closings, your kid's game and at 9 pm on Sunday. The AI receptionist picks up, answers the basics from your approved knowledge, books a call and texts you a summary — and hands the caller to you whenever a human is needed.
AI Receptionist: $259/mo incl. 600 minutes, then $0.19/min · AI Engine setup $490
Caller connected · this call may be recorded
Thanks for calling Harbor Team Mortgage. I'm the team's AI assistant — I can answer general questions or book you time with a loan officer. How can I help?
Hi, do you do VA loans? I'm moving on orders in March.
Yes, the team helps veterans and service members with VA home loans. A loan officer can walk you through eligibility and your timeline. Would tomorrow at 10 or 2 work?
What's your rate right now?
I can't quote rates — they depend on your situation and change daily, so a licensed loan officer gives those. I can make sure they cover it first thing on your call.
2 pm works.
Booked for tomorrow at 2 pm. You'll get a text confirmation. Anything else for the loan officer?
Summary sent to CRM · LO notified by text
Sample conversation — fictional team
What it is
What is an ai receptionist for loan officers?
An AI receptionist is a voice assistant that answers your business line, introduces itself as an AI assistant, answers general questions from information you approve, collects the caller's details, books an appointment on your calendar and transfers or hands off to a licensed loan officer for anything that needs one. It does not quote rates or approve loans.
How it works
Set up once, answers every time
- 01
We load your approved knowledge
Programs you offer, states you are licensed in, hours, documents lists, office details and your handoff rules — written with you, reviewed by you.
- 02
Calls route to the AI when you choose
After hours, after a set number of rings, or always-first with instant transfer. Your number stays your number.
- 03
It discloses, answers, books
Introduces itself as an AI assistant, gives a recording notice where you enable recording, answers basics and books on your calendar.
- 04
Hands off on cue
Transfers live during hours, or takes a message and texts you immediately for anything sensitive or complex.
- 05
Logs everything
Caller, reason, answers given and booking land on the CRM contact with a transcript summary.
Honest limits
What it can do, and what it never will
It can
- Answer 24/7, including holidays
- Answer general program questions you approved
- Book, reschedule or cancel appointments
- Transfer live calls during business hours
- Take messages and text them to you
- Write a call summary to the CRM
It cannot
- Quote rates, payments or fees
- Pre-qualify or approve anyone
- Take a loan application by phone
- Discuss a borrower's existing loan file
- Give legal, tax or financial advice
On every channel, never
- Quote a rate, APR, payment or fee
- Say a borrower is approved, pre-approved or qualifies
- Give financial, legal or tax advice
- Ask for Social Security numbers, account numbers or passwords
- Pretend to be a human when asked
- Treat borrowers differently based on protected characteristics
Consent & compliance
The rules we build around
We summarise public rules so you can ask the right questions. We are not lawyers; your compliance team approves the setup.
- 1
Call-recording consent: some states require all parties to consent to recording; the assistant gives a notice at the start of the call wherever recording is on, and recording can be switched off.
- 2
AI disclosure: the assistant says it is an AI assistant in its greeting and whenever asked.
- 3
Outbound calls with an AI or artificial voice fall under the TCPA; the receptionist answers inbound calls only unless your compliance team approves outbound use with proper consent.
- 4
Consistent answers for every caller support fair-lending consistency; your compliance team reviews the approved knowledge.
What we need from you
Setup checklist
- A business phone number we can forward (or a new one we set up)
- Your calendar availability
- Approved answers for the top 30–50 questions (we draft, you approve)
- Handoff and transfer rules
- Recording preference — and the notice your states require
Pricing
$259/mo
AI Receptionist
AI Engine — all channels: $459/mo · one-time ai engine setup $490
Same brain, other channels
Will callers know they are talking to an AI?
Yes. The greeting says it is the team's AI assistant, and it confirms it whenever asked. Being upfront avoids misleading callers, is required by some state rules, and it keeps trust intact when the call reaches a person.
Can the AI receptionist quote rates?
No. Rates depend on the borrower's file and change daily, and quoting them is a licensed activity. The assistant says a loan officer will cover rates on the call and makes a note so you do.
Is recording calls legal?
It depends on the state. Some states require every party to consent to recording. The assistant gives a recording notice at the start of the call when recording is on, and you can turn recording off. Your compliance team decides the setting for your states.
What happens during business hours?
You choose: the AI can answer only after hours, answer when you miss a call, or answer first and transfer live to you or a teammate. Many teams start with missed-call and after-hours coverage.
How many minutes are included?
The AI Receptionist includes a monthly bundle of minutes, with a per-minute rate after that. Both numbers are on the pricing page and in your order summary.
Can it call leads back?
Outbound AI calls are regulated under the TCPA and need prior express consent of the right kind. By default the receptionist handles inbound calls only; outbound follow-up happens by text (with consent) or by you.
What if a caller is upset or confused?
The assistant recognises frustration and requests for a person, apologises and hands off — live transfer during hours, or an urgent text to you with the caller's number after hours.
Does it work with my existing phone number?
Yes. We set up call forwarding from your current number, so nothing changes for borrowers or on your business cards. We can also provide a new number.
Who writes what it says?
We draft the knowledge from your website, programs and FAQs, and you approve every answer before launch. Changes go through the same approval, so it never improvises policy.
No question matches that.
Try fewer words, pick "All", or send us the question — we answer within one business day.
Next stage: booked
Hear ai receptionist answer your own questions
On the walkthrough we load a few of your real FAQs into a demo assistant and let you try to trip it up.
Free 25-minute call · month-to-month plans · no ad spend required to start
