Winner CES 2026 · ISE 2026 · TMCnet 2026

AI Phone for Mortgage & Lending. The answering service for mortgage brokers that books consultations

AI Phone is an answering service for mortgage brokers and lenders that picks up your office line on the first ring, 24/7, in the borrower's language. It answers process and document questions from your approved information, takes the pre-approval intake, books the consultation during the call and transfers every rate question to a licensed loan officer, announcing who is calling and why.

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7 days free · per company, never per seat · nothing to install

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Zanus AI · AI Phone · Messages

Messages

Each message a caller dictated is written out for the loan officer or processor it is for, with Call back, Heard and Done beside it.

Easy setupSet up everything just by talking to Lisa AISee how ›

You“Rate, payment and qualification questions go to the loan officer on duty.”

Lisa“Rate, payment and qualification questions will transfer to the loan officer on duty, announced before the call connects. Apply?”

You talk. Lisa sets it up. Applied only on your yes.

How Mortgage & Lending use it

A buyer at a Saturday open house calls about a pre-approval letter; the AI takes the intake and books Monday's consultation.

The morning a rate headline breaks, every refinance caller is answered at once and booked with a loan officer, not left on hold.

A closing office calls at 5:40 PM; the AI tells the closer who is calling and why, and the closer takes the call.

REAL AI - the whole Front Office is AI, not old software with an AI button.

What’s included

Keep your number: forward your existing line to your Front Office line and the AI answers immediately, no porting needed. Port the number in when you decide; we handle it with the carrier
A local number in your area, or your own number ported in
Answers on the first ring, 24/7, 365; your business hours only decide when people are reachable
Human-like voice: you choose the voice and the persona per function, greeting, sales, support, booking, callbacks
Receptionist style, no phone menu: the caller just talks in any of 40 languages; the AI detects the language on the first sentence and switches the whole call
Departments you define, sales, support, booking, billing, technical…, each with its own policy: AI first, operator first, or AI only; each with its own AI specialist when no human is free
Directory of your operators with per-day working hours, languages, the nicknames callers use, vacations and temp-worker expiry
Transfers announce the caller and the reason; your person accepts before the call is connected; the call is pulled back before a mobile voicemail can swallow it
Language routing: a Spanish-speaking caller reaches your Spanish-speaking operator first
Hold music with spoken updates; when a person is unavailable the AI says the honest line you wrote for that time of day
Takes messages with the callback number read back and confirmed, delivered to that person's own inbox
Books appointments live from your calendar during the call; captures the e-mail letter by letter; saves the lead
Every fact from your approved knowledge, prices only from your catalog; with no source it says so and offers a person
Robocalls and telemarketers get one polite goodbye and stay away from your team
Off hours your way: full AI service, take-a-message only, or voicemail; holidays and special closures with the message you write
Every call transcribed into the customer's record with a summary; call log with transcripts, exportable; the morning briefing reads it for you

Available on its own or inside a solution · See pricing › · Per company, never per seat.

Everything AI Phone does, for every business ›

Works withAI Booking AI Calls Teleprompter AI Calls Transcripts AI Quoting AI Tickets AI Returns & Warranty AI CRM Lisa, your AI assistant

On every call

What the answering service for mortgage brokers does on each call

First ring, no menu

The AI picks up on the first ring, day and night, and the borrower simply says what they need. Your business hours only decide when a loan officer can be reached.

Answers from your pages

How the process runs, what documents a purchase needs, which loan types you offer: the AI searches your approved pages by meaning, and with no source it offers a person instead of guessing.

Intake while they talk

The questions your loan officers chose, purchase or refinance, the timeline, the property type, the best time to call, are asked in conversation and written onto the borrower's record.

Consultations booked

With AI Booking, the consultation goes into a free slot of the right agenda during the call, and the confirmation is sent before the borrower hangs up.

Messages that reach the right desk

A message is taken with the callback number read back digit by digit and filed for the loan officer, the processor or the closer it is meant for.

Routed by reason and language

Purchase, refinance, processing, closing and customer service calls each reach their own desk, and a Spanish-speaking caller can reach your bilingual officer first.

Busy days

Answering service for mortgage lenders on the busiest days

Rate headline mornings

When rates make the news, the phones ring all at once. Every caller is answered, the intake is taken and a loan officer's free time is offered, with no missed calls and nobody left on hold.

Closing week

While loan officers sit at signings, the AI handles the routine calls and transfers only what cannot wait, such as a closing office asking for the closer.

Weekends and open houses

Buyers and real estate agents call between showings on Saturday. The AI answers in your office's name and books Monday's consultations before the buyers reach the next house.

Holidays and closures

On a holiday or an office closure, callers hear the message you wrote for that day, and the AI still takes the intake and the callback number.

Compared

Mortgage brokers answering service options compared

The three usual ways a broker's calls are covered when nobody in the office can pick up, from a call center taking messages to voicemail.

When a borrower calls	Voicemail or a phone menu	A message-taking service	AI Phone
The first answer	A beep or a menu	A person reading a script	Your office's greeting: and an answer from your own pages
Booking a consultation	Not possible	A callback request	Booked during the call: into the loan officer's open time
A rate question	Left on the tape	Noted for the morning	Transferred to a loan officer: announced before the call connects
Another language	One greeting for all	Depends on who is on shift	The borrower's language: on every call, at any hour
The record	Minutes of audio to replay	A message by e-mail	Transcript and summary: on the borrower's record

Guardrails

What the AI says, and never says, on a borrower call

It says it is your office's AI

Asked, it tells the caller it is your office's AI assistant, and it never claims to be a person or a licensed loan officer.

No rates or approvals

Rates, points, locks, payments and approvals are written as never rules and passed to a licensed loan officer, with the conversation so far on the record.

No wiring details

A call about wire instructions or a change to them is transferred at once to your closer, and the AI confirms no account details of any kind.

No advice

Which program suits a borrower, how much house they can afford, a tax or legal question: the AI offers a consultation with a loan officer rather than an opinion.

Set-up

Your AI phone answering service for mortgage brokers in 2 minutes

Lisa learns the office

Lisa reads your website and asks who takes purchase, refinance, processing and closing calls, your hours, your languages and when each loan officer can be reached.

Keep your number

Forward your current office line to the Front Office; calls are answered from that moment, with no porting and nothing to install.

Desks and transfers

Tell Lisa which desks are AI only, AI first or a person first, and where each loan officer's transfers ring. She shows the change before and after.

A week of borrower calls

Run it free for 7 days with no credit card, then read the transcript and summary of every borrower call it answered.

Questions & answers

Frequently asked questions about an answering service for mortgage brokers

What is a mortgage answering service?

In the mortgage industry, an answering service picks up a lending office's calls when nobody can. AI Phone does it on your own number with AI voices: it answers process and document questions from your approved pages, takes the intake, books the consultation and transfers the calls your loan officers must take, with each call written down.

Can an answering service for mortgage brokers book consultations?

Yes. With AI Booking added, AI Phone offers only the free times in the loan officer's agenda and books the consultation while the borrower is still on the line, then sends the confirmation. Nobody has to call back to agree a time.

Will the AI quote mortgage rates on the phone?

No. Rates, points, locks, payments and approvals stay with your licensed loan officers. A caller who asks is transferred to the officer on duty, announced first, or booked for a consultation, and the transcript of the call waits on the borrower's record.

Can loan officers forward their own lines to the AI?

Yes. A loan officer at a closing can forward the line, and the AI answers as your office, books into that officer's agenda and takes messages with the callback number read back digit by digit. Transfers can still ring the officer's computer, phone app or mobile in the order chosen.

What happens to calls after hours and on holidays?

You choose full AI service, take-a-message only or voicemail outside your hours, and the message callers hear on each holiday or closure. Buyers often call in the evening and at weekends, so full service at night books consultations while the office is closed.

Does the AI give loan status to callers?

No. The loan file lives in your origination system, which the AI does not open. It writes down what the borrower wants to know, reads back the callback number and leaves the message for the processor, who calls back with the status.

Can Spanish-speaking borrowers call?

Yes. A borrower who starts in Spanish hears the whole call in Spanish, and each AI voice speaks all 40 languages. Calls can also be routed by language, so a Spanish-speaking caller reaches your bilingual loan officer first.

How does a transfer to a loan officer work?

The AI tells your loan officer, or the team member you named, who is calling and why before the call connects, then hands the caller over. Each person chooses where transfers ring, the computer, the phone app or a mobile, and in what order.

Is every borrower call written down?

Yes. Every call the AI answers is saved with its transcript, its summary and its outcome on the borrower's record, at no extra cost. With AI Calls Transcripts added, the part of the call a loan officer takes is written into the same story.

Is this a live answering service with operators?

No. Live answering services put an outside operator on your line; AI Phone is AI on your number, around the clock, and it passes callers to your own people when you want them. The answers come from your approved pages, not from a script or from memory.

How much does a mortgage answering service cost with Zanus AI?

AI Phone is priced per company, never per seat or per loan officer, and the current plans are on the pricing page. You can run the Front Office free for 7 days on your own borrower calls, with no credit card.

Can a mortgage broker keep the number printed on letters and the website?

Yes. Forward that phone number to the Front Office and the AI answering service for mortgage broker offices picks up at once, with no porting. Borrowers and agents keep calling the number on your pre-approval letters, cards and website.

Keep exploring

Where next?

Start with the one thing you need. Add more anytime by asking Lisa.
AI Front Office for Mortgage & Lending ›

Award-winning AI

Winner at CES 2026, ISE 2026 and TMCnet Enterprise AI Product of the Year.