AI chatbot for mortgage brokers.
Homebuyers research mortgages at night, between listing alerts. They want to know whether you do FHA or VA loans, how much they need for a down payment, what a pre-approval takes and how long closing runs. A chatbot trained on your loan program and process pages answers those clearly, collects contact details, and leaves rates, eligibility and pre-approval to a licensed loan officer.
14 days free, then a free plan or from $8 a month. No card required.
Visitor: I'm a first-time buyer. Do you do FHA loans?
Chatbot: Yes. We broker FHA, conventional, VA and USDA loans through a range of wholesale lenders. First-time buyers often look at FHA because it allows a smaller down payment, and a loan officer will go over which programs fit your situation.
Loan programs page
Visitor: What do I need for a pre-approval?
Chatbot: Usually your two most recent pay stubs, two years of W-2s, two months of bank statements and a photo ID, plus permission to pull your credit. If you're self-employed, add two years of tax returns. Please upload documents through our secure application link, not this chat.
Pre-approval checklist
Visitor: What rate would I get with a 700 credit score?
Chatbot: I can't quote rates or say what you'd qualify for: that depends on your full application and the market that day. Leave your name and phone number and a licensed loan officer will call you, or reach us at (602) 555-0118.
Human handoff
Powered by ChatBento
12 questions customers ask mortgage brokers
The questions mortgage brokers hear most. Copy them as a Q&A template, add your answers, and the chatbot answers them in your words.
- 1Do you offer FHA, VA and USDA loans?
- 2What's the minimum down payment for a first-time buyer?
- 3What credit score do I need to qualify for a conventional loan?
- 4What documents do I need for a pre-approval?
- 5How long does pre-approval take, and will it hurt my credit?
- 6Do you work with self-employed borrowers or offer bank statement loans?
- 7Can you help me refinance or take cash out of my home?
- 8Are there down payment assistance programs where I'm buying?
- 9Why use a mortgage broker instead of going to my own bank?
- 10How long does it take from accepted offer to closing?
- 11Do you charge a broker fee or an origination fee?
- 12What are your rates today?
Set it up in four steps
- 1
Point it at your website
Enter your site's address and ChatBento reads your pages. For mortgage brokers, make sure these are on the site or added as docs:
- Loan program pages: conventional, FHA, VA, USDA, jumbo, refinance
- Pre-approval page and document checklist
- Step-by-step process page from application to closing
- First-time buyer and down payment assistance pages
- Loan officer bios with NMLS numbers and the states you're licensed in
- Fee disclosures and FAQ pages that have passed your compliance review
- 2
Answer the 12 questions
Copy the questions above, paste them into ChatBento as Q&As and write your answers. These are what visitors ask first, so a clear answer here covers most chats.
- 3
Set the greeting and handoff
Add the email that receives handoffs and a greeting that sets expectations, for example: “Hi! I can explain our loan programs, the pre-approval process and what documents to gather. A licensed loan officer handles rates and approvals.”
- 4
Paste one line on your WordPress site
Many brokerages use WordPress for their marketing site, with a separate secure portal for applications. The install guide shows where the snippet goes.
Install on WordPress
What it answers, and what it hands to you
Hand these to a person
The chatbot collects the visitor's name and email or phone, then sends you the whole conversation.
- Rate quotes, loan estimates and fees for a specific loan
- Whether someone qualifies or how much they can borrow
- Loans already in process, including appraisal, underwriting and closing dates
- Credit problems, past bankruptcies and unusual income
- Rate locks and anything time-sensitive
No rate quotes, and no approval promises
The chatbot explains loan programs and the steps; it never quotes a rate, says someone will be approved or estimates what they can borrow. In US advertising, stating a rate generally requires the APR and other terms alongside it, so keep rates out of the chatbot unless your compliant rate page spells out exactly what it may repeat. Rates, eligibility and pre-approval belong to a licensed loan officer, and borrowers should send financial documents through your secure application, never the chat.
This is general guidance, not legal advice. ChatBento answers only from the content you give it, and says so when it doesn't know.
Which plan fits mortgage brokers
Typical volume: 180 to 720 AI replies a month. A small brokerage with 2,000 to 6,000 site visits a month, where 3 to 4% of visitors open the chat and ask about three questions each, rising in the spring buying season and when rates drop.
Start on the Free plan (50 messages a month) to try it, then move up when the chat gets busy.
Mortgage brokers questions. Answered.
Can the chatbot pre-qualify borrowers?
It can collect the first details your loan officers ask for, like price range, timeline and whether they're a first-time buyer, and pass them on. It doesn't tell anyone they qualify; that comes from a loan officer after a full application.
Why shouldn't it show our current rates?
Rates change daily and depend on the borrower, and US advertising rules generally require the APR and other terms whenever a rate is stated. It's safer for the chatbot to explain programs and send rate questions to a loan officer.
Can it take a loan application?
No. It links to your secure application or borrower portal and asks people not to share income, account or Social Security details in chat.
Can it help real estate agents who refer buyers to us?
Yes. Train it on your referral partner page and it answers agents' questions about turnaround and how to send a client over, then passes their details to your team.
How much does an AI chatbot for mortgage brokers cost?
ChatBento has a Free plan with 50 AI messages a month, then Hobby at $8/month (2,000 messages), Standard at $30/month (10,000 messages), Pro at $100/month (40,000 messages). At typical volume for mortgage brokers, 180 to 720 AI replies a month, Hobby at $8/month covers it. Every account starts with a 14-day free trial, no card required.
Related industries
- AI chatbot for real estate agents“Is the house on Birch Lane still available, or is it under contract?”
- AI chatbot for insurance agents“Which insurance companies do you work with?”
- AI chatbot for accountants“Are you taking new individual tax clients this season?”
Use cases for mortgage brokers
- Lead captureTurn website questions into leads. An AI chatbot answers from your content, then collects a name, email and note when a visitor wants follow-up, and emails you the lead with the full conversation.
- Pre-sales questionsAnswer the questions buyers ask before they pay: pricing, fit, timelines and terms. An AI chatbot replies instantly from your own pages and hands serious buyers to your team.
Terms to know
Answer visitors while you're closed. Free to start, then from $8 a month.
14-day free trial. No card required.