AI speed-to-lead for mortgage teams · Pilot program
Every lead answered in 60 seconds.
You're on a call. You're at a closing. It's 9:40 PM. Your next borrower just texted — and LatchLead already replied, asked the right questions, and booked them with you.
- Instant SMS reply to every missed call and text
- Qualifies: buy vs. refi, timeline, price range, callback time
- Books the appointment and notifies your loan officer
The phone is live — play the borrower. The simulation runs entirely in your browser; nothing you type into it is sent anywhere.
That was simulated. On your real leads, this runs at 9:40 PM too.
Start your pilotThe problem
The text you never saw cost you a loan.
You're always mid-something
On a borrower call, in underwriting, at a closing table, at your kid's game. The phone buzzes. You'll reply later. Later becomes tomorrow.
Borrowers don't wait
A homebuyer with a question texts three lenders. The first one who answers like a human gets the application. Silence reads as "they're too busy for me."
After-hours is prime time
People house-hunt at night and on weekends — exactly when your team is offline. Those are often your most motivated leads, and they get nothing.
Hiring someone to watch the inbox 24/7 isn't realistic for most teams. LatchLead is the realistic version: an AI responder that answers instantly, qualifies like your best LO, and hands you a booked appointment.
How it works
Missed text to booked appointment, in three steps.
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1
Connect your number
We provision a texting number for your team and wire it to your existing flow. Missed calls and inbound texts route to LatchLead automatically. Your setup call takes one working session — we file the carrier registration paperwork the same day, and your number goes live as soon as carrier vetting clears.
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2
AI replies and qualifies
Within a minute, the borrower gets a natural SMS conversation: buy or refinance, timeline, price range, down payment situation, best callback time. It answers common questions and knows when to hand off to a human.
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3
You get the appointment
The borrower picks a time from your booking link. You get an instant notification with the full qualification summary — name, needs, timeline, and transcript — before you ever pick up the phone.
Pricing
One funded loan covers the year.
Flat monthly pricing. No per-lead fees, no revenue share. $495 one-time setup covers number provisioning, carrier registration, your qualification script, and booking-link wiring.
Starter
$297/mo
For the solo LO who misses texts between appointments.
- 1 loan officer
- Instant SMS reply, 24/7
- Buy/refi qualification script
- Booking link + LO text notification
- Email conversation summaries
Most popular
Pro
$597/mo
For teams that want every lead worked, nights and weekends included.
- Up to 5 loan officers
- Everything in Starter
- Round-robin lead routing
- CRM webhook — transcripts land in your pipeline
- Conversation review dashboard
- Priority support
Team
Custom
For multi-branch operations and high-volume shops.
- Unlimited loan officers
- Everything in Pro
- Custom qualification scripts per branch
- Custom CRM and LOS integrations
- Dedicated number pool
- Onboarding and training for your staff
Carrier SMS usage is billed at cost at standard carrier rates — typical messaging volume runs a few dollars per month. No markup, ever.
FAQ
Straight answers.
Does LatchLead replace my loan officers?
No. It replaces the silence between "lead comes in" and "LO calls back." The AI handles the first response and qualification; your humans do what they do best — advise, structure, and close. Every conversation ends with a handoff to a real person.
What happens when a borrower asks something the AI can't answer?
It doesn't guess. It acknowledges the question, tells the borrower a loan officer will follow up, and immediately flags the conversation for your team with the full transcript. You see exactly what was asked and what was said.
Is this compliant? What about TCPA?
LatchLead only replies to people who contacted you first — inbound calls and texts, which is the compliant starting point for conversational messaging. STOP and other opt-out keywords are honored automatically and instantly. During setup we complete carrier (A2P 10DLC) registration for your number. This isn't legal advice — your compliance team should review any messaging program — but the system is built around opt-in, inbound-first contact.
Does it really work after hours and on weekends?
Yes — that's the whole point. Nights and weekends are when borrowers are actually house-hunting. LatchLead answers at 11 PM on a Saturday exactly like it does at 11 AM on a Tuesday, and your LO wakes up to booked appointments instead of cold voicemails.
Will it work with my CRM?
Pro and Team plans push every conversation — transcript, qualification summary, and booking details — to your CRM via webhook. If your CRM accepts inbound webhooks, it works. Custom integrations for specific systems are available on Team.
Can I read what the AI said to my borrowers?
Every word. You get the full transcript of every conversation, plus a qualification summary with each booking notification. Pro includes a review dashboard so you can spot-check conversations any time.
What does the $495 setup actually cover?
Number provisioning, carrier registration paperwork, your qualification script tuned to how your team actually works, booking-link wiring, and a live test run where we text the system together before it touches a real lead. If it's not working to your standards at the end of setup, we keep working until it is.
How fast does it actually reply?
The system is designed to respond within 60 seconds of the inbound message, around the clock. Actual timing depends on carrier delivery, but the target — and the name on the door — is a minute or less, every time.