Warmline

AI follow-up for mortgage loan officers

Every new lead hears from you in under a minute.

Warmline texts over iMessage and calls with an AI voice the moment a lead lands, qualifies them by loan type, and hands the ready ones to you, live on the phone or booked on your calendar.

Live calls: —

TimeLeadLoanChannelStatus
to the first text and call on a new lead
< 60 sec
to the first text and call on a new lead
blue-bubble texts and AI calls in one flow
iMessage + voice
blue-bubble texts and AI calls in one flow
works inside the CRM you already use
FUB + Bonzo
works inside the CRM you already use
Every text and call is checked first — DNC lists, consent, quiet hours, opt-outs and licensed states — before it goes out.
Compliance built in
Every text and call is checked first — DNC lists, consent, quiet hours, opt-outs and licensed states — before it goes out.

From new lead to a booked call, without the chase

Warmline texts every new lead from your number and calls them with an AI agent built for mortgage, asks the right questions for their loan, and the moment they're ready, calls you and connects them or puts a time on your calendar. Every text, call and answer is written back to your CRM, and the compliance rules run on every single attempt.

How it works

  1. 1

    A lead fills out a form

    A lead fills out a form at 12:00pm. By 12:01pm they've received a friendly text you can customize, plus an intro call from our AI agent — built specifically for mortgage.

    During your send hours.

  2. 2

    The right questions for their loan

    Purchase, refinance, HELOC or DSCR: the AI asks that loan type's questions one at a time, and never quotes rates or approval odds.

  3. 3

    You talk only to the warm ones

    When a borrower is ready, Warmline rings you and connects them live, or books a time on your calendar.

  4. 4

    Everything lands in your CRM

    Every text, call, answer and summary is written back to Follow Up Boss or Bonzo.

The work of a full call team, without hiring one

Warmline can do the work of a large call center or ISA team. It responds to every new lead right away, keeps following up until they answer or opt out, and hands your loan officers only the people who are ready to talk. That can reduce what you spend on staff and help you close more from the leads you already pay for.

Instant response

Every new lead hears from you within a minute, during your send hours, without anyone watching the CRM.

Every lead followed up

No lead is forgotten on a busy day. Follow-up keeps going on schedule until they reply, book or opt out.

Talk only to warm leads

Loan officers spend their time on borrowers who are ready, not on dialing and leaving voicemails.

Less spent on staff

Cover what a team of callers or ISAs would do, without hiring, training or managing one.

More from leads you already buy

Faster, steadier follow-up can turn more of the leads you already pay for into closed loans.

What it does

Speed to lead

The first text and call go out within a minute of a lead arriving, inside the allowed hours for their state.

iMessage and AI voice follow-up

Blue-bubble texts with SMS fallback, plus a natural AI voice that never pretends to be a person and keeps the conversation moving.

Live warm transfers

When a borrower is ready, Warmline rings you, gives you a one-line brief, and connects the call when you press 1.

CRM sync

Leads flow in from your CRM and every touch, answer and summary flows back. Nothing to double-enter.

Compliance built in

Consent checks, quiet hours, attempt caps and instant opt-outs run on every text and call. No setting can switch them off.

Why loan officers choose it

Built by a licensed originator

Designed by someone who has worked the leads, not by a call-center vendor guessing at mortgages.

Mortgage-native questions

Purchase, refinance, HELOC and DSCR each get their own questions and next steps.

Blue bubbles get replies

Texts arrive as iMessage on iPhones, so they look like they came from a person, not a short code.

Keeps your CRM

Warmline works inside Follow Up Boss or Bonzo. Your pipeline, stages and reports stay where they are.

Wakes up old leads

Consent-checked campaigns reach back out to the leads already sitting in your database.

Use cases

New leads

Reach every new lead while they're still shopping.

  1. 1Lead lands in your CRM
  2. 2Text and AI call within a minute
  3. 3Transferred live or booked
  • Pulls the lead the moment it's created
  • Asks the questions for their loan type
  • Writes answers and a summary back to the CRM
  • Stops instantly if they opt out

Old-lead reactivation

Turn last year's leads into this month's appointments.

  1. 1Pick a segment in your CRM
  2. 2Consent-checked text goes out
  3. 3Replies are qualified and booked
  • Sorts leads by the consent on file
  • Excludes anyone you've contacted personally
  • Paces sends so nothing looks like a blast
  • Tags responders for you

Investor / DSCR

Qualify rental-property buyers with the right questions.

  1. 1Investor asks about a rental
  2. 2DSCR question set kicks in
  3. 3Booked with you to talk numbers
  • Asks about the property, rents and timeline
  • Never quotes rates or approval odds
  • Routes the details to you before the call
  • Logs everything to the lead's record

Set up in 4 steps

  1. Step 1

    Connect your CRM

    Link Follow Up Boss or Bonzo and choose which lead sources Warmline works.

  2. Step 2

    Pick your number

    Get a dedicated texting and calling number for your leads.

  3. Step 3

    Approve the scripts

    Review the questions and messages for each loan type and make them yours.

  4. Step 4

    Go live

    Start with a dry run that decides but sends nothing, then switch on real follow-up.

Built to keep you compliant

How we handle compliance →

TCPA safeguards

Send windows, attempt caps and no-blast pacing are hard-coded on every attempt.

Consent tracking

The exact consent wording, time and source are stored for every lead.

Instant opt-outs

STOP or a plain "don't contact me" ends every channel at once.

Encrypted data

Data is encrypted in transit and at rest, and access is locked to the right people.

Questions loan officers ask

What is Warmline?

Warmline is an AI assistant for mortgage loan officers. It texts your leads over iMessage (with SMS fallback), calls them with an AI voice, asks the right questions for their loan type, and hands the ready ones to you, either as a live transfer or a booked appointment.

Does it replace my CRM?

No. Warmline plugs into your CRM and writes every text, call, answer and summary back to the lead's record. Your pipeline and reports stay where they are.

Which CRMs does it work with?

Follow Up Boss and Bonzo. GoHighLevel and Encompass are on the list for later.

Can I change the assistant's name and voice?

Yes. You choose the name your assistant uses and pick its voice during setup.

What languages does it speak?

English today. Spanish is coming.

How does consent work?

Warmline only contacts leads with consent on file, and it stores the exact wording, time and source of that consent. Texts and calls stay inside each state's allowed hours with daily attempt caps, and any opt-out stops every channel immediately.

How do I get started?

Book a demo. We'll walk through your lead sources and CRM, then set you up with a dry run that shows what Warmline would send before anything goes out for real.

See Warmline work your leads

Book a short demo and we'll show you the whole flow with your CRM, from first text to a booked call.