ZANUS FRONT OFFICE FOR MORTGAGE & LENDING
Next-generation AI for Mortgage & Lending. Try it free on your own lending office. No credit card.
Every borrower call answered. Every lead worked the same hour. Your loan officers, back on the phone with buyers. ZANUS AI Front Office for Mortgage & Lending is the AI receptionist, intake desk and follow-up desk for mortgage lenders and brokers, consumer and auto lenders and small-business lenders. It answers prospective and active borrowers on phone, website chat, email and web forms — how the process works, which documents to bring, the programs you offer as your pages describe them, where a file stands after your identity check — takes the pre-qualification intake, books the licensed loan officer, chases missing documents until the file is complete, acknowledges every referral partner, schedules closings and files payoff requests. Rates, qualification and program choice go to a licensed loan officer. Grounded only in the information your lending office approves: no source, no claim.
Try it free 7 days on your own business · no credit card · per company, never per seat
REAL AI - the whole Front Office is AI, not old software with an AI button. Give it your website: it learns your company, works from your approved knowledge and gets better with every answer you approve.
Live on this site right now — the assistant in the corner is the product · Award-winning AI — CES · ISE · TMCnet
The real Front Office dashboard: today’s numbers, what needs a person, every menu on the left. In the trial it is yours, with your company in it.
FREE TRIAL · 7 DAYS · NO CREDIT CARD
Give us your website. Ten minutes later, your company answers the phone.
“Give us your website. Ten minutes later Zanus has built a private 7-day sandbox around your company: your knowledge, a phone line that answers as you, your website with Lisa on it, your dashboard with your data. Not old software with an AI button — the AI is the software.”
“No card. No setup fee. Per company, never per seat. You decide after you hear it answer as your company.” One trial per company: a working business website and an e-mail on its domain.
- 1Your website. Lisa reads it and proposes your departments and people; she asks only what the site does not say.
- 2Your sandbox, in ten minutes. A phone line in your area code that answers as you and transfers to your real phones, your website with Lisa on it, your dashboard with your data.
- 3Seven days on your business. Day 1 the first call; day 3 a mail “what your callers asked”; day 7 a report.
- 4Keep it or walk away. Buy any solution on any day and the sandbox becomes the account — same number, same knowledge, nothing redone. Walk away and nothing is charged.
How you start
Three steps, in the order you like. Most people skip straight to the second.
Two minutes. The AI presents the Front Office and answers your questions live — the demo is the product.
Your website, your phone line, your dashboard. No card, nothing to install. Start free
Any solution, on any day of the trial — the sandbox becomes your account. Per company, never per seat. See pricing →
Prefer to own your AI on your own premises? See AI Servers — a separate product. The Front Office above needs no server.
One AI Front Office. Every job your lending desk does today.
The same 31 menus, read through a branch manager’s eyes. Each function below is a page of its own, in your vocabulary — enable what your plan includes, add more as production grows. No IT project, your origination system kept. Comparing options? See the comparison →
Every morning: last night’s leads, calls, consultations booked and documents received — and which borrowers, agents and files need a person today.
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AI PhoneAnswers every borrower and agent call on your menu, in your voices, 24/7 — explains the process, books the loan officer, gives file status by your rules, calls hang-ups back, transfers rate questions to a licensed person.
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AI Chat & VoiceWebsite chat and voice that answers “what documents do I need”, “how long does it take”, “do you lend to the self-employed” from your pages — and books the consultation in the conversation.
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AI AvatarA lifelike face that greets first-time buyers on your site, explains what happens from application to closing and walks them to a loan officer.
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Loan Process ExplainersInteractive explainers: how a mortgage works, what happens after you apply, what a pre-approval letter is, how a small-business loan is documented — narrated by AI, any hour.
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Leads & Pre-Qual IntakeListing-site leads, lead-vendor feeds, pre-qualification forms and agent referrals answered in minutes — intake taken, loan officer booked, the referring agent kept informed.
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Borrower RecordsThe front-office borrower record: every call, chat, form, document stated as sent and appointment in one timeline. Not the loan file — the conversation record.
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AI E-mailDocument receipts confirmed, checklists resent, status questions answered by your rules, payoff requests routed — rate and qualification emails go to the loan officer with a draft ready.
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Fee WorksheetsFee worksheets from your published fee schedule — itemized, sent as a clean document, never an improvised number. Required disclosures stay with your licensed team.
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Docs Chased & Follow-upDocument chasing, pre-approved buyers checked in with, closing reminders, past-borrower anniversaries and review requests — on schedule, stopped when a person should call.
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Consultations & ClosingsConsultations, application appointments, signings and closings booked into the right loan officer’s calendar — in branch, by video or by phone — borrower, agent and closing agent reminded.
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Lending Team TrainingAssistants, processors and receptionists trained on your process, checklists and what the desk may never say — new hires productive in days.
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Borrower RequestsPayoff statement requests, insurance and address changes, escrow questions and complaints filed as tracked borrower requests and routed to the right desk — hardship to a licensed person the same hour.
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Pipeline ForecastPipeline and pull-through forecast from real conversations — which files are at risk, which leads will apply, where demand is coming from — with the WHY.
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Referral PartnersBrokerages, builders, dealers, CPA firms and business borrowers mapped as organizations — who refers, how fast each referral was acknowledged, which partner is going quiet.
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Add AI to what you haveConnect the origination, point-of-sale and servicing systems you already run — the AI works, and writes contacts, appointments and requests back.
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ProtectionDaily caps on every AI resource: a bot hammering your pre-qualification form costs a capped, known amount — borrowers see courtesy.
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What happens to every inquiry — in your lending office
A call from an open house on Saturday, a listing-site form at 11 PM, an email with bank statements attached, an agent asking for a letter by Monday — a buyer, a refinancer, a business owner, a referral partner. Day or night, in any of 40 languages.
How the process works, which documents you need, the programs you offer as your pages describe them, hours and offices, where a file stands after your identity check — from your approved information only. No rate, no qualification answer. No source, no claim.
New lead or active file, purchase or refinance, consumer or business, which loan officer, which branch, which state — your routing and licensing rules applied in the conversation. Rates, qualification and program choice go to a licensed loan officer.
Take the pre-qualification intake your form asks for, book the loan officer, send the document checklist, file the payoff request, transfer the rate question with the context whispered in, call back the hang-up.
The missing pay stub chased until it arrives, the pre-approved buyer still shopping checked in with, the signing reminded with what to bring, the referral acknowledged to the agent, the past borrower remembered on the anniversary — on schedule, until done.
Every touch on the borrower’s front-office record, every transcript kept for your compliance team. Every morning a briefing: what was handled overnight, which files and borrowers need a person today.
AI-driven end to end. A licensed person wherever your rules require it. Rates, qualification, program choice, hardship, complaints and anything outside your approved information wait for your people; the routine, the AI handles and reports.
One knowledge base feeds every channel
Websites, uploads, pages and articles, Q&A, battle cards, images and videos — you approve it once, and phone, chat, email, demos and quotes all answer from the same verified source. No source, no claim.
40 languages, one bill, a help drawer over every screen
Languages and website translation, billing with plans, top-ups and alerts, onboarding, users & security, and the help drawer that answers from the platform manual — the plumbing that comes with it.
Private by architecture
Your Front Office runs in a private Cloudflare environment dedicated to your company — your own data-processing container, not a shared pool. Your knowledge stays yours: it never trains global models like GPT or Grok, and it is never shared.
- Private data-processing environment per company
- Grounded only in your knowledge
- Claim guard: no source, no claim
- Private environment option: an isolated environment with enterprise-grade security certifications, on request
Auto-Call — the AI calls your borrowers
Not only answering. From an automated event (a due date, a ready order, tomorrow’s appointment), a scheduled funnel or a list, the AI calls your registered contacts and announces your message — or talks as an agent: answers the question, moves the appointment, confirms, collects the missing detail. Call window, attempts, voicemail policy and consent rules are yours; every call is transcribed.
- “Hi Jason, this is Homeward Lending: your rate lock expires in 5 days — please upload the remaining documents in your portal to stay on schedule.”
- “Hi Emily, this is Homeward Lending calling to schedule your closing. Would Friday at 10 or Monday at 2 work for you and your co-borrower?”
Scheduled Auto-Call comes inside a solution — see pricing; calling back the hang-ups is part of AI Phone. How it works, in the Phone chapter ›
The same Front Office, by job
The jobs a lending office names most often — each explained in full: what falls through the cracks today, a day with the AI on the job, every function seen from that job.
Questions, answered
Does the AI quote rates or tell borrowers whether they qualify?
No. It quotes no rate, points, APR, lock or payment, gives no pre-approval, affordability or credit answer, recommends no program and states no balance. It answers from the information your lending office approves — process steps, document checklists, programs as your pages describe them, hours, the status milestone your team publishes — and books or transfers a licensed loan officer with the transcript attached. It introduces itself as your office’s AI assistant. Hardship, complaints and anything regulated go to a person the same hour.
What happens to borrower information?
Your Front Office runs on a private data-processing environment dedicated to your lending office; borrower information never trains public models and is never shared. Credit reports, income documents and account data stay in your origination and servicing systems — the Front Office holds the contact and conversation record. Lenders whose compliance requires an isolated environment with specific certifications ask for a private environment — available on request.
Does it replace our loan-origination system or point of sale?
No. It sits in front of them: the AI answers, takes the intake, books, chases documents and follows up, then writes contacts, appointments and requests back through Connectors — native calendar sync, webhooks and API. The application, the credit decision and the disclosures stay in your origination system; your system of record stays; the phone stops ringing at the front desk.
Try it free on your own lending office. 7 days. No credit card.
Give it your website. It learns your company. Then call it, chat with it, e-mail it — and decide. Nothing to install, nothing to cancel.
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