AI Front Office for Mortgage & Lending. The AI receptionist for mortgage broker offices and lenders
Zanus AI is an AI receptionist for mortgage broker offices and lenders that answers borrower calls, website chats, e-mails and pre-approval forms 24/7, in each borrower's language. It takes the intake your loan officers chose, books the consultation with the officer your rules name, and hands every rate or qualification question to a licensed person.
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7 days free · per company, never per seat · nothing to install
Easy setup
Answers & books
Sells
You talk. Lisa sets it up.
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?”
Any setting, in any module · applied only on your yes
Start with the one thing you need. Add more anytime by asking Lisa.
The whole Front Office › · All industries ›
Who reaches you
Who the AI answers for Mortgage & Lending
- First-time buyers asking how pre-approval works and what to gather
- Refinance callers who saw a rate headline this morning
- Borrowers in process asking which documents are still open
- Real estate agents and builders sending a buyer or checking on one
- Title and closing offices looking for the closer before a signing
- Self-employed and business owners asking whether you take their case
The front desk
What an AI receptionist for mortgage brokers answers
Every borrower, agent and title office reaches the same front office, where AI receptionists for each desk answer from the pages you approved.
The office line, on the first ring
The AI answers every call on the first ring: purchase and refinance callers are greeted with your office's name, answered from your own pages and booked while still on the line, with no menu to sit through.
Website chat by text or voice
A visitor on your first-time buyer page asks what to gather, and the chat lists your checklist, opens the page that explains it and offers the next free consultation.
Pre-approval request forms
Every lead from a form gets its reply the moment it passes your checks, in the borrower's language, with consultation times taken from the loan officer's own agenda.
The lending inbox
Mail to your office address is read, attached to the borrower and drafted from your approved information; replies about rates, hardship or complaints wait for a licensed person.
Consultations in the right agenda
Each loan officer keeps an agenda of their own, so a consultation lands only in a free slot and the confirmation leaves before the borrower hangs up.
One record per borrower
Inbound calls, chats, e-mails and forms land on one contact with transcripts and call summaries, so the loan officer reads the story before calling back.
A lending week
The moments a virtual receptionist for mortgage brokers cannot miss
Saturday open houses
Buyers call between showings to ask about a pre-approval letter. The AI takes the intake you chose, such as the property type and the timeline, and books Monday's consultation before they reach the next house.
The morning a rate headline breaks
Every refinance caller is answered at once instead of meeting a busy signal, and each one is booked with a loan officer who can talk about rates.
Month-end closing week
While your team is at signings, the AI answers the routine calls, takes messages with the callback number read back and transfers only what the closer must take.
Sunday-night forms
A couple fills in your pre-approval request form at 11 PM and has a reply with consultation times before they open another lender's form.
Title and closing offices
A closing office calling at 5:40 PM is announced to the closer by name and reason, so the call that matters never sits in voicemail overnight.
Self-employed borrowers
A business owner asks whether you lend on bank statements; the AI answers from your program page as written and books the loan officer who handles those files.
Real screens
Inside the AI receptionist for mortgage lenders, screen by screen
Real Zanus AI screens with demo data, framed for a broker's or a lender's front desk.
Compared
An AI receptionist for loan officers, compared with the usual cover
Most lending offices rely on a person at the desk, a message-taking call center or voicemail. This is how each one handles phone calls from borrowers.
| A borrower call | A person at the front desk | A message-taking service | Voicemail | Zanus AI |
|---|---|---|---|---|
| A call at 9 PM on Sunday | The desk is closed | A message for Monday | A greeting and a beep | Answered on the first ring: with the intake taken and a consultation offered |
| A question about rates | Passed on when someone is free | Noted for a callback | Left on the tape | Handed to a loan officer: by transfer or a booked consultation |
| Booking the consultation | Between other calls | A callback request | Not possible | Booked during the call: into a free slot of the right agenda |
| A Spanish-speaking borrower | If a bilingual person is in | Depends on the shift | One greeting for everyone | Answered in Spanish: or in any of 40 languages |
| What was said | Notes typed later | A message e-mailed | A recording to replay | Transcript and summary: on the record, and a live call a manager can follow in real time |
Guardrails
What the AI hands to a licensed loan officer
In the mortgage industry, anything that needs a license or a judgment goes to your people; the AI answers from your approved information only.
Rates, payments and qualification
Your rules keep every rate, points, lock, payment and approval question away from the AI: the borrower is transferred to a licensed loan officer, announced first, or booked for a consultation with the conversation attached.
Advice of any kind
Which loan fits, what a borrower can afford, how much down payment they need, the tax or legal effect of a choice: the AI says a loan officer answers that and offers the next free time.
Wiring and money movement
A call or an e-mail about wire instructions, or a change to them, goes straight to your closer. The AI shares no wiring details and confirms none.
Hardship, complaints and disputes
A borrower who mentions a missed payment, a complaint or a dispute becomes an urgent ticket or a transfer to the person you named, with their own words on the record.
Set-up
An AI receptionist for mortgage broker teams, set up in 2 minutes
Lisa reads your website
Give Lisa your address: she reads your program pages, document checklists and office details, and asks which loan types each loan officer handles.
Forward your office line
Forward the line you already have and the AI answers from that moment, with no porting and no new phone system in the branch.
Write the rules for rates and wiring
Tell Lisa that rates, payments and qualification go to a licensed loan officer and wiring questions to the closer; she shows each change before and after.
Seven days on your own borrowers
Try the Front Office free for 7 days with no credit card, then read the report of every borrower call, chat and form it answered.
Questions & answers
Frequently asked questions about an AI receptionist for mortgage brokers
What does an AI receptionist for mortgage brokers do?
It answers the office line, the website chat, the lending inbox and your forms the way a trained front desk would: it greets the borrower, answers process and document questions from your approved information, takes the intake, books the consultation and writes every conversation onto the borrower's record. Rate, payment and qualification questions go to a licensed loan officer.
Will the AI quote rates or say whether a borrower qualifies?
No. It quotes no rate, points, payment or lock, and it never says who qualifies or which loan fits. Those questions are transferred to a licensed loan officer, announced first, or booked as a consultation with the conversation attached. You write that as a rule on the first day, and the rule is tested every night.
Can it answer mortgage calls after hours and on weekends?
Yes. Buyers call from Saturday open houses and fill in forms on Sunday night, and the AI answers calls 24/7, each one as it arrives. Outside business hours the line keeps full AI service, takes messages only or goes to voicemail, as you decide, and each holiday plays the greeting you wrote for it.
What is the difference between an AI receptionist and a message-taking answering service?
A classic answering service writes down a name and a number for the morning. An AI answering service for mortgage brokers answers from your own pages, books the loan officer's free time during the call, sends the confirmation and keeps the transcript, and it hands callers to your people when you want them to.
Can Spanish-speaking borrowers call and chat in Spanish?
Yes. A borrower who starts in Spanish is answered in Spanish on the phone, in the chat and by e-mail, and the same holds across 40 languages, since every AI voice speaks them all. As a bilingual AI receptionist for lenders, it can also route Spanish-speaking callers first to the loan officer who speaks it.
What happens when someone calls about wire instructions?
Set it as a rule on day one: the AI gives no wiring details and confirms no change to them on any channel, and a call about wiring is transferred at once to your closer, with the reason announced before the call connects. A person handles it before any money moves.
Can the AI tell a borrower where the loan stands?
Not from your origination system, which it does not read. It takes the question, the details the borrower gives and the callback number, and files it for the processor or the loan officer, so the answer comes from the person who holds the file.
Does it replace our loan origination system?
No. Applications, credit decisions, disclosures and the loan file stay in your origination system. The Front Office works in front of it: it answers, takes the intake, books, follows up and keeps every conversation and appointment in its own mortgage CRM, never the loan file itself.
Who decides what the AI may say to borrowers?
You do. It answers only from your approved information: your website, your document checklists, your program pages and the rules you add by talking. What it must never say is a rule with its own test, and a question nothing answers is held for your team instead of guessed.
How much does an AI receptionist for a mortgage office cost?
Zanus AI is priced per company, never per seat or per loan officer, so the whole branch shares one subscription. You pick the modules you need and add more later; the current plans are on the pricing page, and you can try the Front Office free for 7 days with no credit card.
Can we keep our office number?
Yes. Forward your current line to the Front Office and the AI answers from that moment, with no porting. Should your office later move the branch number over, Zanus AI arranges the port with your carrier, or you pick a fresh local number.
How long does it take to set up for a lending office?
About 2 minutes. Lisa reads your website, then asks who takes which calls, which loan types you handle, your hours and languages, and the rules for rates and wiring. She shows each change before and after, and you hear the AI answer before you decide.
Award-winning AI
Winner at CES 2026, ISE 2026 and TMCnet Enterprise AI Product of the Year.
REAL AI - the whole Front Office is AI, not old software with an AI button.
Awards & trade shows ›
Give Lisa your website.
She sets up your business in 2 minutes.
Other software makes you learn it. Zanus AI learns your business.
Try it free on your own business — no credit card, per company, never per seat.
Ready to buy? See plans & pricing ›
Or call +1 (954) 736-3939 — the AI answers.