The AI receptionist that responds to mortgage leads in under 60 seconds, day or night.
A done-for-you voice agent built for mortgage brokers and loan officers. It answers every purchase, refi, HELOC, and commercial inquiry in English, Spanish, and 30+ other languages (French, Portuguese, Mandarin, Vietnamese, Tagalog, Arabic, and more), qualifies loan size, credit-range self-report, property type, and occupancy, and books the LO calendar within minutes. We integrate with Encompass, Arive, Surefire, and Velocify, and we deploy with CFPB-aware scripts, TRID guardrails, and your NMLS disclosure built in.
The fastest callback wins the borrower.
Lead-response studies going back a decade all tell the same story. A mortgage lead contacted within five minutes is up to 21 times more likely to qualify into the pipeline than the same lead contacted after thirty. Most independent LOs cannot physically hit that window all day, much less at 9 PM when the borrower is filling out the Zillow form from the couch. Forge Voice takes the call.
A deployment posture your compliance officer can sign off on.
We deploy the agent in a configuration designed to stay inside CFPB advertising guidance, respect TRID disclosure rules, and route callers through your NMLS-compliant disclosure on every contact. The agent does not quote rates, does not issue Loan Estimates, and does not commit to fees. All redirect scripts are your scripts, reviewed by your compliance lead during discovery. Audit trail is available on demand.
NMLS Disclosure on Every Call
Your licensed entity and NMLS number recited on every call in the caller's language. Disclosure language reviewed by your compliance lead during discovery and version-controlled after.
TRID + Reg Z Guardrails
The agent does not issue Loan Estimates, does not commit to fees, and does not discuss APR. When asked, it redirects to the LO callback which delivers required disclosures per Reg Z timing.
No Rate Quoting
Rate questions route through your CFPB-aware redirect script. The agent captures scenario data and books the LO. Redirect language approved in advance by your compliance lead.
Fair Lending Posture
Intake script designed to capture the same data points from every caller. No prohibited-basis questions. Spanish intake gets the same qualification grid as English intake.
Full Audit Trail
Encrypted call recording, transcript storage, version-controlled scripts and disclosures, and immutable access logs. Any compliance review or lender partner audit pulls the trail on request.
TCPA-Aware Outbound
Outbound callback to form fills runs on documented consent (tied to the web form capture). Quiet hours respected per jurisdiction. DNC scrubbing applied before any outbound program is enabled.
This page describes the configuration Forge Voice deploys for mortgage brokers and lenders. It does not constitute legal or compliance advice. Your compliance lead retains the final say on scripts, disclosures, and advertising posture. All intake scripts, disclosures, and redirects are drafted with, and approved by, your compliance contact before go-live. Ask for our current compliance overview during discovery.
Tuned for the calls that build your pipeline.
Mortgage intake is not generic customer service. Every call type has compliance, product, and speed constraints. The Forge Voice mortgage agent runs each scenario the way a senior intake coordinator or LO assistant would.
Purchase Loan Inquiries
Caller is a first-time or move-up buyer. Agent captures loan purpose, target purchase price, down payment range, property type, occupancy (primary, second home, investment), credit-range self-report, employment type, and timeline. Books the LO callback for pre-approval discussion.
Refi Waves After Rate Drops
When rates move, inbound volume spikes. The agent absorbs the overflow, qualifies current rate, loan size, LTV self-report, and occupancy, and books LO calendars in priority order. Your pipeline builds in real time through the entire wave instead of rolling to voicemail.
HELOC + Cash-Out
Caller wants to tap equity. Agent captures estimated home value, mortgage balance self-report, desired draw or cash-out amount, use of funds (allowed purposes only), credit-range self-report, and income type. Books the LO and flags HELOC vs cash-out based on your product mix.
Commercial Real Estate Loans
Caller is an investor, flipper, or small-business owner with a CRE scenario. Agent captures property type, deal stage, purchase or refi, sponsor experience, rough loan size, and timeline. Routes to your CRE-licensed LO if the residential team does not handle commercial.
USDA / VA / Specialty Programs
Caller qualifies for a specialty program (USDA rural, VA, FHA 203k, HomeReady, first-time buyer grants). Agent runs the qualification questions for the specific program you have lender access to and routes to the specialist LO who knows the overlays.
ITIN + Non-QM Purchase
Caller is self-employed, a 1099 earner, or an ITIN borrower. Agent captures the income structure, rough down payment, and timeline, and routes to the non-QM specialist LO. ITIN and bank-statement programs are a large underserved segment in Sun Belt metros.
From kickoff to live intake in seven days.
A structured launch with compliance review, NMLS disclosure drafting, CRM wiring, and scenario-capture script build baked in.
Discovery + Compliance
Ninety-minute call with the broker, LO team lead, and compliance contact. NMLS disclosure drafted, rate redirect script approved, product mix captured, TRID and RESPA posture confirmed.
Build + Integrate
We wire Encompass, Arive, Surefire, or Velocify, build the bilingual scenario-capture tree, configure your specialty-program routing (ITIN, USDA, VA, commercial), and load LO availability.
Go Live
You and your compliance lead approve the staging calls, we port or forward the line and point the web-form webhook at the callback trigger, and the agent starts hitting sub-60-second speed-to-lead.
Tuned + Reviewed
Thirty days of active tuning. By day 30 the agent runs your scenario intake like a senior LO assistant who knows your products, lender overlays, and LO calendar cold.
A complete, done-for-you mortgage intake program.
You do not buy a tool. You get a ready-to-run bilingual intake system, deployed with CFPB-aware scripts and NMLS-compliant routing, wired to your CRM, and actively tuned by the Forge team.
Brokerage Workflow Mapping
We work with your broker, LO team lead, and compliance contact to document product mix, lender overlays, LO routing rules, and your current speed-to-lead reality.
NMLS Disclosure Script
Bilingual disclosure drafted with your compliance lead. Recited on every call. Version-controlled. Audit trail captures exact language in force on every historical call.
Bilingual Mortgage Voice
A bilingual voice tuned for mortgage intake. Warm, confident, unhurried, and compliant. Same voice greets the English purchase lead and the Spanish-speaking refi lead and holds the rate-quote line on both.
Scenario Capture Grid
Loan purpose, property type, occupancy, credit-range self-report, loan size, LTV self-report, employment type, and timeline. Encoded per product line. Spanish and English parity.
CRM / LOS Integration
Encompass, Arive, Surefire, Velocify LoanEngage, LendingPad, Calyx, BNTouch, or HubSpot. Lead creation, loan folder writes, borrower profile updates, and LO calendar books flow through supported APIs.
Rate-Quote Redirect
CFPB-aware script that declines to quote and books the LO. Approved by your compliance lead. The agent never fabricates, estimates, or ballparks a rate. The audit trail proves it.
LO + Specialty Routing
Round-robin, geo, or product-specialty routing across your LO team. ITIN, USDA, VA, commercial, and non-QM calls route to the licensed specialist who handles that product line.
Web-Form Callback Automation
Zillow, Facebook, Google, or site web-form submissions trigger a sub-60-second outbound call. TCPA-aware: consent tied to form capture, quiet hours respected, DNC scrubbing applied.
Monthly Optimization
Thirty-minute working call with your Forge strategist. We review speed-to-lead, Spanish share, qualified-to-LO conversion, rate-redirect handling, and compliance audit spot checks.
Priced for teams that treat every minute of speed-to-lead as revenue.
Simple monthly retainer. Usage passthrough at a flat rate. Compliance review and CRM wiring included.
- 1,000 included minutes / mo
- 1 location
- English and Spanish native
- One CRM integration
- NMLS disclosure on every call
- Scenario capture on purchase and refi
- Scenario email after every call
- 2,000 included minutes / mo
- Up to 3 locations
- Custom bilingual voice
- Encompass / Arive / Surefire / Velocify
- Web-form callback automation
- LO and specialty routing
- TCPA-aware outbound and DNC scrubbing
- Custom minute pool
- Unlimited branches and LOs
- Campaign-level UTM and lead-source tracking
- Refi wave burst capacity
- Commercial and non-QM specialty trees
- Dedicated strategist, weekly review
Guarantee
If the agent does not deliver at least 40 qualified LO callbacks in month one, month two is on us.
Not a refund gimmick. An outcome commitment. We track every lead captured, every qualified callback booked, every after-hours save in your dashboard. If the agent does not hit the threshold we agree on during discovery, the next month of retainer is waived while we keep tuning.
We only take on teams we believe we can win for. If discovery shows your lead volume will not support the threshold, or if your compliance posture needs to tighten before we can script around it, we will tell you before you sign.
Refer a brokerage. Get paid every month they stay.
Mortgage coaches, LO trainers, CRM integrators, mortgage marketing agencies, and lender relationship managers. Send us brokerages and LO teams and we split the profit with you fifty-fifty for the lifetime of the account. No cap, no sunset, no quarterly reset.
Applications reviewed within 48 hours. We approve partners we believe can win. Once approved, you get a unique referral link, the full asset vault, and a Slack channel with our team.
Apply to the Program →Frequently asked, honestly answered.
Does the agent integrate with Encompass, Arive, Surefire, or Velocify?
Yes. We integrate with ICE Encompass, Arive, Surefire CRM, Velocify LoanEngage, Salesforce Financial Services Cloud, LendingPad, Calyx Point, and BNTouch through supported APIs and secure webhooks. Lead creation, loan folder writes, borrower profile updates, and LO calendar books flow through the supported integration path, not screen-scraping. For LOs who run a lighter CRM, we can also drop into HubSpot, Pipedrive, or a custom Airtable.
How does the agent stay inside RESPA and TRID guardrails?
The agent is scripted to stay on the intake side of the line. It does not quote specific interest rates, it does not issue Loan Estimates, and it does not commit to any fee. When a borrower asks for a rate, the agent responds with your CFPB-aware redirect script, captures scenario inputs (loan purpose, property type, occupancy, credit-range self-report, rough loan size), and books the LO to deliver the legally compliant disclosure on the return call. Every call opens with your NMLS disclosure and advertising posture your compliance lead approves during discovery.
How does the agent avoid quoting rates?
By design. The agent acknowledges the question, states that rate quotes must come from a licensed loan officer with full scenario data, and redirects to booking. The redirect script is your script, reviewed by your compliance lead. If the borrower insists, the agent repeats the redirect up to twice and then routes directly to the on-duty LO if you enable that setting. At no point does the agent fabricate, estimate, or ballpark a rate.
What is the speed-to-lead metric and why does it matter so much?
Speed-to-lead is the time from the borrower submitting a web form or making a phone inquiry to the first human-quality contact. Industry studies consistently show that mortgage leads contacted within five minutes are up to 21 times more likely to qualify into the pipeline than leads contacted after thirty. Forge Voice targets sub-60-second contact on every web-form and missed-call event, around the clock. You beat every LO still waking up to their CRM pings.
Can it handle Spanish-speaking mortgage intake end to end?
Yes. The agent detects Spanish on the first word and runs the entire intake in Spanish, including loan purpose, property type, credit-range self-report, and calendar booking. Spanish-speaking borrowers are a large and underserved segment for purchase loans, ITIN programs, and first-time buyer programs. Serving them on the first ring materially raises application rates and pipeline diversity.
Does it work for refi waves after rate drops?
Yes, and this is one of the highest-ROI use cases. When rates move, inbound volume spikes and LOs cannot personally return every call in the 48-hour window it takes the borrower to shop. The agent handles overflow, qualifies loan size, current rate, loan-to-value range, and occupancy, then books the LO calendar in priority order. The CRM shows you pipeline build in real time through the entire refi wave.
Is there a full audit trail for compliance reviews?
Yes. Every call is recorded in an encrypted vault with configurable retention, transcripts are stored alongside, and audit logs capture every access event on the record. When your compliance auditor or your lender partner asks for the call trail, we pull it on request. All scripts, disclosures, and redirects are version-controlled so you can show the exact language in force on any given day.
See the rest of the Forge stack.
Forge Voice is one product in a suite built for service businesses and lending teams that want to stop losing revenue to operational drag.
General Voice Page
The full Forge Voice product in 30+ languages. Any vertical.
AI SMS + Web Chat
The text-side twin to Forge Voice. Same scenario capture, over SMS and website chat.
Borrower Document Vault
Secure borrower portal for 1003 data, paystubs, bank statements, and closing docs.
Back-Office Automation
Post-close follow-ups, review collection, and past-client refi trigger campaigns for LOs.
Stop losing fundable leads to the LO who answered first.
Call the Forge Voice demo right now. Talk to the mortgage intake agent. Ask for a rate in Spanish and hear how it redirects you into the LO calendar inside 60 seconds. When you are ready, claim your launch slot.