Mortgage Broker Sub-Account Kit

1. No. 01

   1 AI Receptionist

   Component 01 · AI Receptionist

   The problem

   A borrower who has just seen a rate on a comparison site rings at nine in the evening and asks what you can do for them. An assistant that answers that has quoted, so the operator hand-writes a refusal careful enough to keep the caller on the line anyway.

   Once it is loaded

   The receptionist takes the call at any hour, states the licence identifier the firm supplies, captures purchase or refinance, timeline, property type and rough credit band, books the consultation, declines to discuss pricing or approval, and escalates anyone already under a contract deadline.

   How it pays back

   If a broker takes ninety enquiries a month and a third arrive outside office hours, converting a few of those to booked consultations at their own commission per close is the month-one result. For you, the compliant script is loaded, not drafted, which is a day of careful copywriting per account.

2. No. 02

   1 AI Chatbot

   Component 03 · AI Chatbot

   The problem

   Website chat for a broker is a rate question wearing a disguise, and every variant of will I qualify has to be deflected without losing the borrower. Rebuilding that deflection for each lender panel and each state a firm operates in is slow, careful work.

   Once it is loaded

   One assistant runs on the site, text, email and the social inboxes, explaining which documents are needed, what a pre-approval actually is and how long the process usually takes, carrying the licensing disclosure, and handing anything about pricing or eligibility to a licensed originator.

   How it pays back

   Assume forty chat conversations a month and a quarter of them are borrowers who would otherwise have opened a second broker's site. Booking two of those a month at the firm's own commission is the sort of number that renews an account without a conversation about it.

3. No. 03

   Pipelines

   Not one of the nine — what they run on

   The problem

   A pre-approved borrower still touring houses and a file two days from clear-to-close need completely different attention, and a broker working both from one list loses the pre-approval that quietly expired at ninety days while everybody watched the closings instead.

   Once it is loaded

   The boards separate the shopping borrower from the live file and from the agent relationships feeding both, with pre-approval expiry and rate-lock dates surfaced on the card so the stage that matters is whichever one is about to time out this week.

   How it pays back

   Configuring lock and expiry logic per broker is a couple of hours of an operator's time and every mortgage account needs it. Across six broker sub-accounts that is a day and a half kept, and one saved expiring pre-approval at their own commission covers your fee.

4. No. 04

   Workflows

   Not one of the nine — what they run on

   The problem

   Conditions come back from underwriting as a list, and chasing them is a processor resending the same generic reminder until the borrower stops opening it. Building a per-item chase that names the missing payslip rather than the whole list is the fiddliest part of a mortgage build.

   Once it is loaded

   The automations chase each outstanding condition by name on its own clock, alert the originator before a rate lock or pre-approval expires, push milestone updates through the silent underwriting weeks, and escalate a file that has not moved instead of letting it age unnoticed.

   How it pays back

   Take twenty-five live files carrying three outstanding items each at seven minutes of chasing a week. That is most of a processor day returned, every week. For an operator, the per-condition logic is the biggest build item in this niche and it arrives already wired.

5. No. 05

   Appointment reminders, confirmations and no-show recovery

   Component 05 · Smart Appointment System

   The problem

   A borrower books a consultation, forgets what to bring, and the loan officer spends the hour collecting documents instead of taking an application. A missed appointment and an unprepared one cost the same hour, and a refinance needs a different checklist from a purchase.

   Once it is loaded

   Confirmation carries the document checklist for that appointment type, reminders land at twenty-four hours, one hour and fifteen minutes, and a no-show triggers a recovery call within the hour aiming at seventy per cent recovery rather than an email that goes unread.

   How it pays back

   If a broker holds twenty consultations a month and four evaporate, each is an originator hour plus a file that never started. Recovering three at their own commission per close is the number a client repeats back to you when renewal comes round.

6. No. 06

   Funnels

   Not one of the nine — what they run on

   The problem

   Purchase borrowers, refinance borrowers and estate agents looking for somebody to send clients to all arrive at the same contact form, so the broker cannot tell a warm referral partner from a rate shopper without opening and reading every single submission.

   Once it is loaded

   Distinct paths land ready: a pre-approval application path with the document list stated up front, a refinance enquiry path framed around goals rather than pricing, a first-time buyer education path, and a partner path capturing the agent office and the relationship owner.

   How it pays back

   Assume the site takes four hundred visitors a month at a one per cent enquiry rate. A dedicated agent-partner path that produces one productive referral relationship outweighs the rest of the funnel, and it is loaded per client rather than designed per client.

7. No. 07

   AI Studio website

   Component 04 · Professional Website

   The problem

   Most broker sites are a lender-supplied template carrying the wrong licence numbers in the footer, and copy that would rank has to be written by somebody who understands what may not be implied about approval or pricing. That is an expensive brief to hand a freelancer per account.

   Once it is loaded

   The site ships with loan-programme pages written in process language, a calculator-led first-time buyer section, licence identifiers and equal housing statements held as configurable account values, and application forms and consultation calendars living in the same sub-account as everything else.

   How it pays back

   One programme page bringing two enquiries a month at the broker's own conversion and commission covers the account several times over across a year. On your side, skipping a compliance-reviewed copy brief is the largest cost taken out of a mortgage rollout.

8. No. 08

   Nurture campaign

   Component 02 · AI Outbound Caller + Component 08 · Database Reactivation

   The problem

   A borrower a year from buying and a past client who closed at a high rate are both future files, and both get nothing, because nobody will write a monthly message to a mortgage list without a rate to talk about. So the operator writes it from scratch or the list rots.

   Once it is loaded

   The outbound engine works those lists without pricing anything: credit and deposit preparation for the long-horizon borrower, stalled application follow-up across text, email and an AI call, and a dormant past-borrower sequence built on life events rather than any rate promise.

   How it pays back

   Say a broker holds six hundred past borrowers. A reactivation returning four files at their own commission is a year of your fee from one campaign. The advantage is yours too, since rate-free copy is what every mortgage client asks for and nobody wants to write twice.

9. No. 09

   Review automation

   Component 06 · Review Harvesting + Component 07 · Review Automation

   The problem

   The moment a borrower is happiest is the day the loan funds, and that is the day the whole office moves on to the next file. Brokers end up asking three weeks later if at all, and the estate agents choosing who to refer to are looking at a stale profile.

   Once it is loaded

   The ask fires on the funding trigger rather than on somebody remembering, is gated by a satisfaction question so an unhappy borrower reaches the branch manager first, and rotates across the platforms that actually influence a referring agent, with the cadence running unattended.

   How it pays back

   Against a design target of five to ten reviews a month, consider a broker whose next twenty files come from agents comparing profiles before they recommend anybody. That shift in visibility is worth more than the campaign producing it, and it is the first screen they open in the account you built.

10. No. 10

    Seasonal automation

    Component 09 · Lifetime Nurture Campaigns

    The problem

    Mortgage demand moves with the buying season and with events a broker is not allowed to advertise around, so the campaigns that genuinely work are the dull ones: the closing anniversary, the annual review, the nudge to gather tax documents before application season begins.

    Once it is loaded

    Those cycles arrive dated and keyed to months the broker sets: closing anniversaries, an annual mortgage review prompt written without a rate claim anywhere in it, a spring buying-season push to the pre-approved list, and a referral request to past borrowers, armed only on request.

    How it pays back

    If two hundred past borrowers receive an annual review prompt and two per cent respond, that is a handful of conversations at their own commission per close. You wrote none of it this quarter, which is roughly the half-day a seasonal build takes out of an operator week.

11. No. 11

    Custom values

    Not one of the nine — what they run on

    The problem

    A regulator revises the wording of a required disclosure and an operator who typed it into templates is now editing every message in the account, per state and per originator, hoping none of them is missed before somebody notices a stale licence number on an outbound text.

    Once it is loaded

    Company and originator licence identifiers, disclosure and equal housing wording, standard lock period, pre-approval validity, processing team contact and office address all sit at account level, so standing up a second branch is a form to fill in rather than a rebuild.

    How it pays back

    A disclosure change that would mean opening every template becomes one field. If you hold five mortgage accounts and it happens twice a year at ninety minutes each avoided, you have kept the better part of two working days with no risk of shipping outdated licensing.

12. No. 12

    Custom fields

    Not one of the nine — what they run on

    The problem

    In a hurried build the rate lock date and the pre-approval expiry end up inside a call summary, which means the two dates deciding whether a file survives are invisible to every filter, every list view and every automation that was supposed to warn somebody.

    Once it is loaded

    Loan purpose, property address and type, target closing date, lock date and expiry, pre-approval expiry, credit band, employment type, referring agent and assigned processor are structured fields, filled by the receptionist and the application form and readable directly as triggers.

    How it pays back

    Every pre-approval expiring in the next three weeks becomes a call list a broker can work on a Monday, and that list funds the month. For you, the schema and the automations reading it ship together, removing the usual second build after the client asks why nothing fires.

13. No. 13

    Forms and surveys

    Not one of the nine — what they run on

    The problem

    A broker needs a different set of questions from a self-employed applicant than from a salaried one, and the document checklist changes with the loan programme. Building conditional intake per programme is the afternoon an operator loses on every single mortgage account.

    Once it is loaded

    The intake instruments branch on the answers: employment type opens the right document list, purchase and refinance ask different questions, a partner sign-up captures the agent office, and a post-funding survey separates the borrower experience from the outcome of the loan itself.

    How it pays back

    If gathering the same information by phone costs a processor eight minutes per enquiry and ninety enquiries arrive monthly, that is a day and a half returned every month. The conditional logic is the part of a mortgage build clients never see and operators always pay for.

On purchase you receive two things: one snapshot link, and one PDF with full installation instructions. Installation is not in the kit price — load it yourself from the PDF, or add installation by us for $200 a sub-account. Every payback figure above is an illustrative scenario with its assumptions in the sentence, not a measured customer result.