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RingDispatch

For mortgage brokers

AI Receptionist for Mortgage Brokers

Purchase pre-approvals at 8am, refinance inquiries during rate drops, FHA + VA + conventional questions across the week — every call answered in 0.4 seconds, qualified by loan type, booked with the right loan officer.

What your callers hear

Thanks for calling Northbridge Mortgage — were you calling about a home purchase, refinance, or another loan type?

Built for the calls mortgage brokers actually get

Rate-drop windows trigger inbound surges

Fed cuts rates. Within 24 hours your phone rings 5x more. Refi inquiries flood in. Without coverage, half hit voicemail and go to your competitor. RingDispatch handles the surge, qualifies each lead, and books calls with your loan officers' availability.

Loan-type routing (purchase / refi / FHA / VA / cash-out)

Different loan types need different intake (purchase = home address + offer status, refi = current loan terms, FHA/VA = eligibility verification). The AI asks the right qualifying questions and routes to the loan officer specialized in that loan type.

Pre-qualification before your LO's time gets booked

Your LO time is your inventory. Not every caller is a fit (credit score below 580, debt-to-income too high, no documentation). The AI asks the qualifying intake and books LO calls only for prospects who pass your minimums.

Bilingual borrower base for FHA + first-time buyer markets

First-time-buyer programs and FHA loans serve large bilingual immigrant communities. The AI handles 32 languages — Spanish for FHA inquiries, Mandarin for jumbo + investment-property questions, Vietnamese for VA-eligible veterans. No language line transfer.

How it works for mortgage brokers

  • Loan-type-specific intake routing

    Purchase inquiries get the purchase intake (property address, offer status, down payment, target close date). Refi inquiries get the refi intake (current loan balance, rate, term). FHA/VA get eligibility-verification questions. The AI books accordingly.

  • Loan-officer routing by specialty

    Sarah handles VA + military. Marcus does first-time-buyer FHA. David specializes in jumbo + investment. The AI matches each caller's loan type to the right LO's calendar.

  • Soft-pull pre-qualification cues

    AI asks the qualifying questions (credit-score range self-report, employment status, down-payment availability) and books LO calls only for prospects who pass your minimum criteria. Below-threshold callers get a referral or polite decline.

  • Rate-watch waitlists

    Caller says 'I'm waiting for rates to drop to 6%.' The AI captures the rate target and adds them to a watchlist. When rates hit the target (you set this trigger), the AI calls back proactively. Recapture leads that would otherwise vanish.

From $129/mo. No contract. Cancel anytime.

Three plans (Starter / Professional / Enterprise), HIPAA add-on available, voice cloning available, BYO phone number. Most mortgage brokers start on Professional for multi-staff routing.

See pricing →

FAQ for mortgage brokers

Can the AI route inquiries by loan type (purchase vs. refi vs. FHA vs. VA)?

Yes — list each loan officer with their specialties (VA, FHA, first-time buyer, jumbo, investment property). The AI asks the qualifying intake and books each prospect with the right LO. Cross-LO reassignments stop happening mid-pipeline.

Will it pre-qualify prospects before booking an LO's time?

Yes — set your minimum criteria (credit-score range, employment status, down-payment availability). The AI asks the qualifying questions on the call and books LO time only for prospects who pass. Below-threshold callers get referred to a credit-repair resource or politely declined.

Can it handle rate-watch waitlists for borrowers waiting on a drop?

Yes. Caller says 'call me when rates hit 6%.' The AI captures the rate target and adds them to a watchlist. You configure the trigger (when rates hit the target, the AI initiates a callback). Recaptures leads that would otherwise be lost to the next 12 months of rate-watching.

Will it speak Spanish or Mandarin for bilingual borrower bases?

Yes — 32 languages, mid-call auto-detect. Spanish-speaking FHA inquiries stay in Spanish through pre-qualification and LO booking. Mandarin for jumbo + investment inquiries. Vietnamese for VA-eligible veterans. The AI handles the cultural and linguistic nuance.

Set up your AI receptionist in 5 minutes

Pick your mortgage services, hours, and voice. Your AI is answering test calls inside 10 minutes.

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