AI Engine · SMS
Two-way texting that starts with consent
Text is where borrowers actually reply. It is also the most regulated channel you have. The AI Engine handles both sides: fast two-way conversations, and the registration and consent plumbing behind them.
AI SMS: $149/mo · AI Engine setup $490
Hi Jordan, it's the AI assistant for the Harbor Team. Thanks for checking VA options! Want to book a call with Lee about your March move? Reply STOP to opt out.
yes. also do i need my DD214
Good question — a DD-214 (or a statement of service if you're active duty) is usually part of getting your Certificate of Eligibility. Lee can explain on the call. Tue 9:30 or Wed 4:00?
wed
Booked for Wed at 4:00 pm. You'll get a reminder the day before.
Booking synced · reminder scheduled · summary on contact
Sample conversation — fictional team
What it is
What is sms for loan officers?
AI SMS for mortgage leads is two-way text messaging from a registered business number in which an AI assistant replies to borrowers who opted in, answers general questions, books calls and hands off to the loan officer, while honouring STOP and HELP keywords and logging every message in the CRM.
How it works
Set up once, answers every time
- 01
Register your number
We help you complete A2P 10DLC brand and campaign registration so carriers deliver your texts.
- 02
Collect consent properly
Every form carries a clear, unticked SMS consent checkbox with the required wording.
- 03
Fast first text
Funnel submissions trigger the first text in seconds; replies get AI answers in the same thread.
- 04
STOP, HELP and quiet hours
Opt-outs are honoured instantly, and messages respect quiet hours in the borrower's time zone.
Honest limits
What it can do, and what it never will
It can
- Send the first text seconds after an opt-in
- Hold two-way conversations
- Book and confirm calls
- Send reminders
- Honour STOP/HELP automatically
- Respect quiet hours
It cannot
- Text people without consent
- Send from an unregistered number
- Quote rates or approve
- Request SSNs or documents by text
On every channel, never
- Quote a rate, APR, payment or fee
- Say a borrower is approved, pre-approved or qualifies
- Give financial, legal or tax advice
- Ask for Social Security numbers, account numbers or passwords
- Pretend to be a human when asked
- Treat borrowers differently based on protected characteristics
Consent & compliance
The rules we build around
We summarise public rules so you can ask the right questions. We are not lawyers; your compliance team approves the setup.
- 1
TCPA: automated marketing texts require prior express written consent; the FCC's one-to-one consent rule was vacated by the Eleventh Circuit in January 2025, but consent must still be clear and specific.
- 2
A2P 10DLC registration with The Campaign Registry is required by US carriers for business texting on standard numbers.
- 3
STOP, HELP and quiet hours enforced automatically.
- 4
Carrier and registration fees passed through at cost.
What we need from you
Setup checklist
- Business details for A2P 10DLC registration (we guide you)
- Consent wording on your forms (we add it)
- Approved answers
- Your calendar and quiet hours
Pricing
$149/mo
AI SMS · Carrier and A2P 10DLC registration fees are passed through at cost.
AI Engine — all channels: $459/mo · one-time ai engine setup $490
Same brain, other channels
What is A2P 10DLC and do I need it?
A2P 10DLC is the US carrier system for business texts sent from standard 10-digit numbers. Businesses register a brand and a campaign through The Campaign Registry; unregistered traffic gets filtered or blocked. We guide you through registration and pass the fees through at cost.
Is it legal to text mortgage leads?
Yes, with the right consent. Under the TCPA, automated marketing texts require prior express written consent. Our forms include a clear, unticked consent checkbox, and we keep the record with the contact. Your compliance team approves the wording.
What happens if someone replies STOP?
They are unsubscribed instantly from texts, get a confirmation, and the CRM blocks further texts to that number until they opt back in.
Will the AI text at midnight?
No. Quiet hours follow the borrower's local time. Replies to a borrower who texts you at night can be sent, but no new outreach goes out in quiet hours.
Can I text my past clients?
Only those who agreed to receive texts from you. Many LOs collect fresh consent with a simple email and form before turning texting on for an old list.
Does the AI ever ask for sensitive information by text?
No. It never asks for Social Security numbers, account numbers or documents. It sends a link to your secure application instead.
How much does SMS cost beyond the plan?
The AI SMS channel price is on the pricing page. Carrier fees and registration fees are passed through at cost and shown on your invoice.
Can my team text from the same number?
Yes. The number lives in the shared CRM inbox, so any teammate can reply, and the AI steps back when a human does.
No question matches that.
Try fewer words, pick "All", or send us the question — we answer within one business day.
Next stage: booked
Hear sms answer your own questions
On the walkthrough we load a few of your real FAQs into a demo assistant and let you try to trip it up.
Free 25-minute call · month-to-month plans · no ad spend required to start
