Answering Service & AI Receptionist for Mortgage Brokers
Frontivo.io is a 24/7 AI receptionist and answering service for mortgage brokers, loan officers and lending teams. It answers calls, website chats and texts in seconds, asks whether the caller is buying or refinancing, where they are in the process and when they need to close, books calls and meetings on the right loan officer's calendar, answers questions about your process and document checklist from your own information, and takes messages about loans already in progress. It never quotes rates, never promises approval and never asks about protected characteristics. All-in-one plans start at $299/month (Phone Only $199/month, Website Chat Only $149/month), and every plan starts with a 14-day free trial and no credit card.
14-day free trial · No credit card · 14-day money-back on your first payment · Keep your number by forwarding it
Hi, our offer on a house just got accepted and we need a mortgage fast. What rate can you get us?
Congratulations! I can't quote rates — they depend on your full situation, and a loan officer will go over them with you. When is your closing date, and what's the purchase price?
We close on the 28th, and the price is $415,000.
Thanks. Will this be your main home, and are you already pre-approved with anyone?
What can an AI receptionist do for a mortgage broker?
Lead qualification
Asks whether the caller is buying, refinancing or taking cash out, the property type and area, the rough price or loan amount and their timeline, then books a call with a loan officer.
Closing deadlines flagged
Asks whether they're already under contract and when they close, and alerts your team right away when a closing or financing deadline is close (live transfer to your office number is on every phone plan).
Calls with the right loan officer
Books consultations and pre-approval calls on each loan officer's calendar, in person, by phone or by video, and texts a confirmation and a reminder.
Document checklists
Explains which documents borrowers usually need and how to send them through your secure process, from your own checklist, and stops anyone who starts sharing account or ID numbers in the conversation.
Pipeline messages
Takes messages from borrowers, real estate agents and settlement contacts about loans in progress, noting the borrower and loan officer, and alerts your team.
Referral partners
Answers agents calling about a shared client and books the borrower in, so referral partners get a fast, professional response every time.
No rates, no promises
It never quotes interest rates or monthly payments, never says whether someone will qualify, and treats every caller the same under fair-lending rules.
Why mortgage brokers lose borrowers to slow callbacks
Borrowers shop around. A homebuyer with an accepted offer, or a homeowner who just saw rates move, calls several brokers and lenders the same day, and the first one to call back with clear next steps usually gets the application. Your loan officers are on the phone with underwriters, agents and borrowers, and leads that arrive in the evening or at the weekend wait until morning. In a busy market, a lead left for a day is often a loan closed with someone else.
How does Frontivo.io handle a homebuyer who just had an offer accepted?
A sample conversation. Prices and names are examples — Frontivo.io only quotes the prices and details you give it.
Caller
Hi, our offer on a house just got accepted and we need a mortgage fast. What rate can you get us?
Frontivo.io AI
Congratulations! I can't quote rates — they depend on your full situation, and a loan officer will go over them with you. When is your closing date, and what's the purchase price?
Caller
We close on the 28th, and the price is $415,000.
Frontivo.io AI
Thanks. Will this be your main home, and are you already pre-approved with anyone?
Caller
Yes, we'll live there. We're not pre-approved yet.
Frontivo.io AI
Understood. With that closing date, I'm flagging this as a priority for the team. Kevin, one of our loan officers, can call you today at 4:30 PM or tomorrow at 9:00 AM. Which works?
Caller
Today at 4:30.
Frontivo.io AI
You're booked for a call with Kevin today at 4:30 PM, and I've texted you a confirmation. Having your recent pay slips and bank statements ready will speed things up — Kevin will explain how to send them securely.
How do you set up an AI receptionist for a mortgage brokerage?
- 1
Tell Frontivo.io about your brokerage: loan officers, the loan types you offer, the areas you lend in, your process, document checklist and hours — type them in or import a page from your website.
- 2
Set your rules — which deadlines count as urgent, when to transfer to a loan officer, which calls and meetings can be booked — then test every channel in the Channel Tester.
- 3
Forward your office line (or get a new Frontivo.io number: in seconds in the US and Canada, after a documents check in most other countries) and paste one line of code to add the chat and voice widget to your website.
What to add to your knowledge base
- Purchase loans
- Refinance and cash-out refinance
- First-time buyer programs
- Pre-approval process
- Document checklist
- How to send documents securely
- Areas we lend in
- Loan officer team
Works with the tools you already use
- Your business phone number. Forward your existing line, or get a new number.
- Google & Outlook Calendar. Checks live availability before it books, so slots aren't double-booked.
- Website chat, text, WhatsApp, Instagram, Messenger & email. One AI receptionist answers on every channel with the same knowledge (WhatsApp, Instagram, Messenger and email are on Growth, or each on its own single-channel plan). WhatsApp, Instagram and Messenger open soon, once Meta's approval is through: reserve WhatsApp Only, Instagram Only, Messenger Only or Growth at no charge.
- Zapier, webhooks and API. Send every new lead and booking to the other software your mortgage brokerage runs on through Zapier, Make, signed webhooks or the API (on Growth; opens soon, reserve it at no charge). Google Sheets and Slack or Teams alerts work on every plan.
What are missed calls costing your mortgage brokerage?
Adjust the sliders to your own numbers.
Estimated extra revenue if those callers book
$12,124/month
- Phone Only plan
- -$199
- Net per month
- $11,925
Pays for itself after 1 job a month.
An estimate from your own numbers, not a promise. Prices in US dollars.
Start free trialFrontivo.io vs voicemail vs an answering service for mortgage brokers
Voicemail
- Cost
- Free
- Hours
- 24/7
- Books on your calendar
- No
- Knows your urgent calls
- No
- Channels
- Phone only
Human answering service (Ruby, Smith.ai)
- Cost
- Ruby from $250/mo for 50 minutes; Smith.ai from $300/mo for 30 calls
- Hours
- 24/7
- Books on your calendar
- Often (Calendly or Google Calendar)
- Knows your urgent calls
- Follows your script
- Channels
- Phone; live chat or texts with some providers
In-house receptionist
- Cost
- About $4,500/mo in the US (median pay $38,010/yr plus benefits)
- Hours
- Business hours
- Books on your calendar
- Yes
- Knows your urgent calls
- Yes
- Channels
- One call at a time
Frontivo.io
- Cost
- From $199/mo for phone; $299/mo for phone, chat and text; usage included
- Hours
- 24/7
- Books on your calendar
- Yes
- Knows your urgent calls
- Yes
- Channels
- Phone, chat, text, email (WhatsApp, Instagram & Messenger open soon)
Swipe the table sideways to see every column →
| Option | Cost | Hours | Books on your calendar | Knows your urgent calls | Channels |
|---|---|---|---|---|---|
| Voicemail | Free | 24/7 | Phone only | ||
| Human answering service (Ruby, Smith.ai) | Ruby from $250/mo for 50 minutes; Smith.ai from $300/mo for 30 calls | 24/7 | Often (Calendly or Google Calendar) | Follows your script | Phone; live chat or texts with some providers |
| In-house receptionist | About $4,500/mo in the US (median pay $38,010/yr plus benefits) | Business hours | One call at a time | ||
| Frontivo.io | From $199/mo for phone; $299/mo for phone, chat and text; usage included | 24/7 | Phone, chat, text, email (WhatsApp, Instagram & Messenger open soon) |
Sources: Ruby and Smith.ai pricing pages (checked September 28, 2026); US Bureau of Labor Statistics, Occupational Outlook Handbook: Receptionists (2025 median pay) and Employer Costs for Employee Compensation (June 2026, benefits 30% of compensation). US prices from the sources above; other providers and countries vary. Frontivo.io prices are in US dollars.
For mortgage brokers the difference that matters most is speed to lead with care: Frontivo.io answers in seconds, books the loan officer call on first contact and flags tight closing dates, without ever quoting rates or asking questions fair-lending rules don't allow.
How much does an AI receptionist for a mortgage broker cost?
Brokerages can start on Starter ($299/month): phone, website chat and text, with 300 AI voice minutes (about 100 calls), 300 website chats and 300 AI text replies, plus live call transfer to your office number, appointment reminders and the Leads and Customers pages. Teams that also want WhatsApp, Instagram, Messenger and email choose Growth ($549/month; opens soon, reserve it at no charge) for all 7 channels, with 450 minutes (about 150 calls), 600 conversations and 500 text replies, plus follow-up texts for new leads, CRM sync and analytics. Calls and website chat work from day one; texting switches on after carrier approval for your number. Annual plans save 15%, extra usage is billed per unit or can be set to pause at your allowance, and every plan starts with a 14-day free trial with no card and no setup fee (your phone number is connected when you subscribe, and WhatsApp comes with WhatsApp Only or Growth, which open soon). Need just one channel? Phone Only is $199/month, and single-channel plans start at $99/month. Several branches or 1,500+ minutes a month? Talk to us about a custom plan. Prices in US dollars.
Compare all plansFAQ
Mortgage Brokers: FAQ
Straight answers about how Frontivo.io works for mortgage brokers.
- No. It never quotes interest rates, monthly payments or closing costs, and never says whether someone will be approved. It explains that a loan officer goes over rates and options with them, and books that call.
Still have questions?
Pick whatever's easiest. We're happy to help.
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Answer calls 24/7.
Website chat can be live in about 15 minutes, and your phone number is connected when you subscribe. 14-day free trial, no credit card required.
- 14-day free trial
- No credit card
- Cancel anytime
Several locations, a team, or a custom setup? Talk to sales