The AI Voice Agent that calls your borrower, in under 60 seconds.

Fires outbound the moment a form lands, verifies the borrower, captures qualification, books the LO conversation, and logs to Encompass, HubSpot, or your CRM. Even at 11 PM.

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by 300+ verified sales teams.

10,000+ teams

Setup in 10 minutes

The shift

In mortgage, one minute is worth a 391% conversion lift.

Borrowers fill out three lender forms in one session. Whoever calls first owns the conversation — and usually the loan. Every minute of delay is points off your conversion rate.

The clock +391%

conversion lift when you call within 1 minute

Velocify analyzed 3.5 million leads. The number is real, repeatable, and the gap between you and the lender who beat you to the call.

Velocify / ICE Mortgage Technology 2025

The reality 40%

of mortgage leads are never contacted at all

Less than 2% of leads get called within an hour. The average response time is six hours — long after the borrower has signed with someone else.

Insellerate / MBA Annual Conference 2024

The first responder 35–50%

of all mortgage sales go to whoever calls first

Rate matters less than people think. Speed matters more. The lender who calls first frames the conversation and shapes the borrower's decision.

HubSpot Sales Data 2025

Aloware fires the call within 60 seconds of form submission — verifies the borrower, captures qualification, books the LO conversation, and logs everything to Encompass, HubSpot, or your CRM. Even if the form lands at 11 PM.

How it works

How it works.

Step 01

The call comes in — or the agent calls out.

Inbound rate inquiry from LendingTree, Zillow Mortgage, NerdWallet, your IDX form, or a Google PPC click. Outbound triggered by a rate-drop event, a pre-approval expiration, an application status milestone, or a recapture rule firing. Form fill to outbound dial in under sixty seconds.

LendingTree Zillow NerdWallet IDX form Sub-60 sec

Step 02

The agent runs the work.

Prequalification intake (purpose, property type, occupancy, location, target purchase price or refi target, estimated value, FICO range, employment type, income range, prior bankruptcy, current housing). Document collection mid-call via SMS upload links — W2s, paystubs, bank statements, ID, tax returns. Pre-approval letter request capture (offer amount, property address, expiration date, realtor info). Status calls answered from the LOS. Stays strictly inside non-licensed information gathering — no specific rate quotes, no loan-product recommendations, no locking.

Prequalification Doc upload via SMS Pre-approval letter LOS status calls Non-licensed

Step 03

Everything lands in your LOS and CRM.

Borrower record created or updated in Encompass, Calyx, or LendingPad. Lead and pipeline activity in Surefire, Velocify, BNTouch, Total Expert, or Jungo. Documents attached to the loan file. Pre-approval letter request flagged for the LO. Recording, transcript, and AI summary logged. Calendar booked with the right LO when needed.

Encompass Calyx LendingPad Surefire Velocify Total Expert Doc + LO booking

What the agent handles for mortgage shops and lenders

Sub-60-second response on rate-shopping leads.

LendingTree, Zillow Mortgage, NerdWallet, IDX, Google PPC, Facebook ads. The agent dials before the borrower's tab is even closed. Most rate-shop leads are dead within two hours of submission — the agent gets to them in under one.

Prequalification intake within scope.

Purpose (purchase, refi, cash-out, HELOC), property type, occupancy, location, target purchase price or refi target, estimated property value, FICO range, employment type, income range, downpayment funds, prior bankruptcy or foreclosure, current housing status. Enough for the LO to know whether and how to engage — without quoting a specific rate.

Document collection mid-call.

While on the call, the agent sends a secure SMS upload link. W2s (last two years), paystubs (last 30 days), bank statements (last two months), tax returns (last two years), ID, gift letters, divorce decrees, business returns for self-employed. Files attach directly to the loan record in Encompass before the call ends — instead of a week of email chase.

Conditions chasing for in-process loans.

Underwriter posts conditions, the agent runs the outbound calls and follow-up texts to collect what's missing. The "I sent you the W2 last week" loop happens with the agent, not the LO.

Pre-approval letter requests from realtors.

Realtor calls "my client needs an updated pre-approval letter by 2pm for an offer at $X." The agent captures offer amount, property address, expiration, and realtor contact info — flags it for instant LO action. The LO walks into the request already prepped.

"Where's my approval?" status calls.

The agent looks up loan status in the LOS, communicates current stage and outstanding conditions clearly, schedules an LO callback if the borrower needs more substantive info. High-volume, low-margin work that's currently eating LO calendars.

Rate-drop and recapture wave handling.

When rates drop, your past-borrower book wakes up. The agent runs the recapture outbound campaign — calling closed loans from the last twenty-four months that could now benefit from a refi — qualifies, books the LO, and routes the warm ones live.

Pre-approval expiration follow-up.

Pre-approvals expire at 60–90 days. The agent runs the outbound on expiring pre-approvals, qualifies whether the borrower is still in the market, refreshes the file, and re-books the LO.

Refi-pipeline reactivation.

Borrowers who started a refi application during the last rate move and went cold. The agent re-engages on the next drop, qualifies whether the rate now makes sense, books the LO.

Application status milestone outreach.

Outbound on key TRID milestones (LE sent, intent to proceed, CD sent, CTC, funded). Borrower hears from the lender at every step without the LO making the call.

Live transfer when the loan is hot.

Cash-to-close-now refi, time-sensitive purchase with an offer deadline, jumbo borrower ready to lock — the agent reads urgency and warm-transfers to an available LO with full context already loaded.

Multilingual borrower support — 35 languages.

Mortgage shops in California, Texas, Florida, New York, New Jersey, Illinois, Arizona, and dozens of other markets serve borrowers whose first language isn't English. Same prequalification depth in Spanish, Mandarin, Vietnamese, Tagalog, Korean, Russian, Portuguese, Arabic.

The compliance line

The compliance line — NMLS, TRID, RESPA, ECOA, TCPA

This is the most regulated industry the agent operates in. The script stays inside every line.

No specific rate quotes. No loan locks. No loan-product recommendations.

Those are NMLS-licensed activities and they stay with your licensed MLO. The agent qualifies the borrower's general situation, gathers documents, and books the appointment with the licensed LO. It can recite publicly-available product info ("we offer FHA, VA, conventional, and jumbo programs") but does not match a borrower to a product or quote pricing.
TRID timeline preserved.

Application is taken by the licensed MLO — not the AI. The agent gathers prequalification data and documents, but the formal application (the "six pieces": name, income, SSN, property address, estimated value, loan amount) and the LE-disclosure 3-day clock start when the LO takes over. Compliance team can audit.
NMLS ID disclosure.

Where state regulations require NMLS ID disclosure on consumer-facing communications, the agent recites the LO's NMLS ID once the borrower is matched, and the company NMLS ID on every call.
ECOA and Fair Lending.

The agent never asks about — or uses — protected-class information: race, color, religion, national origin, sex, marital status, age, public-assistance status, or whether the applicant has exercised rights under consumer-credit laws. No steering by demographic proxy.
RESPA Section 8.

The agent is internal to your shop. No referral-fee or kickback exposure from the agent itself. If your workflow includes referrals to settlement services (title, hazard, etc.), the agent stays within the same RESPA framework your LO already operates under.
TCPA compliance for outbound.

DNC scrubbing, calling-hour restrictions (no outbound calls before 8am or after 9pm caller-local), opt-out handling, A2P 10DLC registration for SMS, consent logging. Especially load-bearing for rate-drop, recapture, and pre-approval-expiration campaigns where you're dialing existing-customer and prior-borrower lists.
State recording and consent.

Two-party-consent jurisdictions (California, Florida, Pennsylvania, Massachusetts, etc.) get explicit consent prompts at call start. Recording, transcript, and AI summary log to the borrower record alongside the application.
HMDA-safe data handling.

Demographic-data collection for HMDA is handled through the formal application flow with the licensed MLO, not by the agent.

Built into the LOS and CRM stack you already run

Native into Encompass, Calyx, LendingPad and the rest of the mortgage stack — the loan file, condition, and rate alert lands where your processor and LO are already looking.

Native integrations with the LOS your shop runs on. Encompass (ICE), Calyx Point, and LendingPad — direct integration. Loan files, conditions, milestone updates, and document attachments push live, not on overnight batch sync.
Plus the mortgage-specific CRMs. Surefire (Top of Mind), Velocify, BNTouch, Total Expert, Jungo, Volly — native. Lead source preserved, lead score updated, pipeline stage advanced, recapture and rate-alert campaigns triggered.
Plus the general CRMs your retail or wholesale shop may run alongside. HubSpot, Salesforce, Pipedrive, Zoho, GoHighLevel.
Pickup stack working underneath. NumberGuard prevents your LO numbers from getting flagged as spam — a real risk on rate-drop callout campaigns. Branded Calling shows your company name on the borrower's screen so the callback gets answered. Local Presence matches outbound area code to the borrower's market.
Same compliance posture across the platform. SOC2 certified, A2P 10DLC registered, DNC management, PII redaction in transcripts. PII redaction matters — borrower call transcripts contain Social Security and income data your audit team needs handled correctly.
One bill, same rate. 10 cents per minute, whether the agent is calling a 9pm rate-shopper or your processor is chasing a condition.

Estimate your cost

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The lines it earns its keep in

Same agent, different intake scripts and document checklists.

Retail purchase mortgage.

Pre-approval letter handling is the killer use case. Prequalification depth, realtor relationship support, offer-deadline turnaround.

Refi and recapture.

Rate-drop-triggered outbound. Existing-borrower and past-borrower lists. Streamline-refi qualification (FHA, VA IRRRL).

Cash-out and HELOC.

Equity-position qualification, use-of-funds intake, second-lien specifics.

Non-QM and specialty.

Bank-statement loans, asset-depletion, ITIN, foreign national. Different document checklist, different qualification depth, different LO routing.

Wholesale (broker channel).

AE-to-broker workflow support, scenario qualification, pricing-engine prep (without quoting), document submission handoff.

Reverse mortgage / HECM.

Sensitive demographic — careful scripting, slower pace, mandatory counseling-referral handling. Aloware respects state-specific reverse-mortgage protection rules.

Commercial real estate lending.

Different beast — DSCR qualification, rent rolls, T-12s, sponsor financials. Document collection is even more complex than residential.

Personal and consumer loans.

Faster cycle, simpler intake, higher volume. Auto loans, debt-consolidation, signature loans.

Small business / SBA.

SBA 7(a) and 504 prequalification, document checklist (3 years business returns, 3 years personal returns, debt schedule, business plan), longer cycle than residential.

Questions teams ask before switching

Will the agent quote rates or lock loans?

No. Specific rate quotes, locks, and loan-product recommendations are NMLS-licensed activities and stay with your licensed MLO. The agent qualifies the borrower's general situation, gathers documents, and books the appointment. The LO walks in already prepped.

How does the agent handle TRID timeline requirements?

The agent gathers prequalification data and documents — not the formal application. The "six pieces" that start the TRID 3-day clock are taken by the licensed MLO when the borrower hands off. The clock starts when it's supposed to start.

Which LOS systems does it integrate with?

Encompass (ICE), Calyx Point, and LendingPad are native. Plus mortgage CRMs: Surefire, Velocify, BNTouch, Total Expert, Jungo, Volly. Plus general CRMs: HubSpot, Salesforce, Pipedrive, Zoho, GoHighLevel.

Can it run rate-drop and recapture campaigns?

Yes. Trigger an outbound campaign when rates move. The agent dials past-borrower and prior-prequal lists, qualifies whether the rate now makes sense for each borrower, books LO appointments, routes hot calls live. TCPA-compliant calling hours and DNC scrubbing run automatically.

How does it collect documents during the call?

The agent sends a secure SMS upload link mid-call. The borrower uploads W2s, paystubs, bank statements, tax returns, or ID directly from their phone. Files attach to the loan record in Encompass or your LOS before the call ends — no email-chain chase.

Does it handle "where's my approval" status calls?

Yes. The agent looks up loan status in your LOS, communicates current stage and outstanding conditions clearly, and schedules an LO callback when the borrower needs more substantive info. High-volume status calls stop eating LO calendars.

Will it follow ECOA and Fair Lending requirements?

Yes. The agent never asks about — or uses — protected-class information. No demographic-proxy steering. HMDA demographic-data collection is handled through the formal application flow with the licensed MLO.

How does it handle pre-approval letter requests from realtors?

The agent captures offer amount, property address, expiration date, and realtor contact info, then flags the request for the LO with full context loaded. The LO walks into a fully-prepped letter request — usually faster than they'd been doing it manually.

Does it support Spanish and other languages?

Yes — 35 languages with mid-call switching. Especially load-bearing in California, Texas, Florida, New York, New Jersey, Illinois, and any market where your borrower base skews bilingual.

Does it stay TCPA compliant on outbound campaigns?

Yes. DNC scrubbing, calling-hour restrictions (no outbound calls before 8am or after 9pm caller-local), opt-out handling, A2P 10DLC registration for SMS, consent logging. Two-party-consent state requirements handled with explicit prompts.

How long does setup take?

Most shops have a working agent live the same day. Configure the prequalification script, connect Encompass or your LOS, set rate-trigger rules, and you're picking up. The first one to two weeks is for refining intake based on call recordings — and where the biggest quality lift comes from.

What happens when a borrower asks a specific rate question?

The agent acknowledges, captures the question, and either schedules the LO callback or warm-transfers if an LO is available. It does not guess at rates, recommend products, or get into licensed territory.

See it call your next rate-shopper.

Book a 15-minute demo and we'll wire up your LOS, your prequalification flow, and your LO routing. Run a real rate-shop call live — the kind that's coming in tonight at 9pm — and watch the borrower file get created in Encompass before the demo ends.

Book a demo