What it does
SMS Automation is the text-message engine of the mortgage snapshot. Borrowers answer texts far faster than calls or emails, and the lender who texts first stays top of mind through a long, slow buying cycle. This module fires the first text within about 30 seconds of a new lead, then keeps the conversation alive with timed nurture sequences — and when a borrower texts back, it routes the reply straight to a loan officer so a real person can take over.
- Texts every new borrower within roughly 30 seconds of opt-in
- Runs multi-touch nurture sequences: purchase nurture, refi nurture, and past-client check-ins
- Sends appointment reminders so pre-qual and rate-review calls actually get kept
- Supports two-way conversational texting, routing live replies to the right loan officer
- Tags and segments contacts by loan type and timeline for the right message cadence
- Honors STOP and HELP keywords automatically on every message
A web lead fills out your form at 2 PM
It sits in a spreadsheet until someone gets a free minute around 5 PM, by which point the borrower has applied with two other lenders.
A friendly text goes out in about 30 seconds, the borrower replies 'still shopping rates,' and that reply lands in your loan officer's queue while interest is high.
How it works for a mortgage firm
From the borrower’s point of view, the texts feel personal and timely rather than spammy. A purchase lead drops into a sequence that checks on their home search, nudges them to get pre-qualified, and reminds them why a pre-qual letter wins offers. A refi lead gets a different cadence focused on what to gather and when to talk. Past clients get periodic, low-pressure check-ins that keep your name in their phone so the next time they — or a friend — need a loan, you’re the first text they send. None of these messages quote a rate or promise approval; they invite a conversation.
For your loan officers, the daily rhythm changes completely. Instead of manually chasing every lead, they wake up to a queue of borrowers who already received a first touch and, in many cases, already replied. The two-way texting means a borrower’s “yes, let’s talk” routes instantly to the right person, who can jump in mid-conversation. Appointment reminders cut no-shows on your booked calls. And because every contact and conversation lives in the same CRM that powers your AI Caller, AI Chatbot, and Appointment Automation modules, the borrower’s full history is one click away.
What’s included in the snapshot
- Sub-minute first-touch text on every new borrower lead
- Prebuilt purchase nurture, refi nurture, and past-client check-in sequences
- Two-way conversational texting with routing to the assigned loan officer
- Automated appointment reminders for booked calls
- Loan-type and timeline segmentation for the right cadence
- STOP/HELP keyword handling and opt-out logging on every message
- Full CRM sync with your other snapshot automations
Compliance & control
Texting is the most regulated channel in the snapshot, and it’s built accordingly. Messages only go to borrowers who have opted in with TCPA consent, every send includes opt-out handling, and replying STOP unsubscribes the contact instantly while HELP returns your firm’s contact info. The copy never quotes actual rates or promises approval — any figures are framed as estimated and to be confirmed by a licensed loan officer. Opt-outs are recorded so your firm keeps a clean consent trail.
How fast does the first text actually go out?
Typically within about 30 seconds of a borrower opting in — fast enough to reach them while they're still on your site or thinking about their loan.
What's the difference between the purchase and refi sequences?
Purchase nurture focuses on getting house-hunters pre-qualified and explaining why a pre-qual letter strengthens offers; refi nurture focuses on what documents to gather and when to schedule a call. Each is timed to its loan type.
What happens when a borrower texts back?
Two-way texting routes the reply to the assigned loan officer in real time, so a real person can continue the conversation with the borrower's full history visible in the CRM.
Is the texting TCPA compliant?
Yes. Messages go only to opted-in contacts, STOP and HELP keywords are honored automatically, opt-outs are logged, and no message quotes a rate or promises approval.