Suite 155 · SMS
Two-way texting with consent built in
AI SMS for mortgage teams that replies to inbound texts, handles follow-up conversations with people who opted in, books loan officers and logs every message to the contact, with A2P 10DLC registration and opt-out handling built in.
- AI assistant Hi Jess, it’s the AI assistant for Maya at Harbor & Pine Lending. Thanks for your request about refinancing. Is now a good time for a quick call, or would later today be better? Reply STOP to opt out.
- Borrower Later. After 5?
- AI assistant Maya can call at 5:15 or 5:45. Which works?
- Borrower 5:45
- AI assistant Done: Maya will call at 5:45 PM today.
Compliance notes
Rules this channel lives by
General information to discuss with your compliance team, not legal advice.
TCPA
The Telephone Consumer Protection Act restricts automated texts and calls without prior express consent. The suite only texts opted-in contacts and logs the consent.
Carrier rules
Unregistered business texting is filtered by US carriers; registration and content rules (opt-out language, no prohibited content) apply.
Quiet hours
No texts at night in the recipient’s time zone; some states set stricter windows.
Opt-out
STOP, UNSUBSCRIBE and similar replies are honored immediately across the account.
More detail: our AI disclosure and the AI chat and texting compliance guide.
What a conversation looks like
Helpful, brief and handed to a human
The sample on this page is written by our team to show tone and guardrails: general information, no rate quotes, consent before follow-up, and a licensed loan officer for anything specific.
- Introduces itself as an AI assistant
- Declines rate, approval and advice questions politely
- Offers a specific time with a specific LO
- Saves a summary to the CRM
How it works
How SMS works, step by step
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Stage 1 of 4
Register
We register your brand and messaging campaign for A2P 10DLC with US carriers during onboarding. Registration typically takes days to a few weeks, set by carriers and their vetting partners.
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Stage 2 of 4
Consent
Texts go only to people who opted in on a form, by texting you first or verbally on a recorded call where your process allows, with the consent saved.
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Stage 3 of 4
Converse
The AI answers replies, asks follow-up questions and offers times to talk.
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Stage 4 of 4
Book and log
Bookings, opt-outs and transcripts land on the contact; the LO can take over at any time.
Setup
What we set up, with you
Done for you, trained on your group’s own information and approved by your team before it answers anyone.
- 01
A2P 10DLC registration
Brand and campaign registration with carriers; fees are passed through at cost.
- 02
Consent language
Your compliance contact approves the opt-in wording on every form.
- 03
Numbers
Local numbers per branch or LO, or port an existing number after review.
Honest limits
What it can do, and what it never will
It can
- Reply to inbound texts 24/7
- Run consented follow-up conversations
- Book calendars
- Honor STOP and HELP automatically
- Respect quiet hours by time zone
It never will
- Quote interest rates, APRs or payments
- Pre-approve, approve or deny anyone
- Give loan, tax, legal or financial advice
- Pull credit or collect a Social Security number
- Pretend to be a human when asked
- Text anyone who has not opted in
Pricing
AI Conversation Desk: $289/mo
Per suite, shared by every LO and inbox in the group. One-time setup $690. Or get AI Engine Complete (receptionist + conversation desk) for $529/mo, or $449/mo with any Suite plan.
Texting borrowers expect, with the consent rules built in.
Ask the front desk
Questions about SMS answered
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YouIs it legal to text mortgage leads?
Funnel Suite teamTexting leads who gave prior express consent is common practice, but the TCPA and carrier rules are strict about consent, content and opt-outs. The suite captures consent, honors opt-outs and registers your texting with carriers. Ask your counsel about your specific process; this is not legal advice.
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YouWhat is A2P 10DLC?
Funnel Suite teamA2P 10DLC is the US carrier registration system for businesses sending texts from standard 10-digit numbers. Unregistered business traffic is heavily filtered. We handle registration during onboarding.
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YouHow long does registration take?
Funnel Suite teamIt is set by carriers and their vetting partners; it typically takes days to a few weeks. We start it in week one.
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YouCan the AI text people who never opted in?
Funnel Suite teamNo. The suite blocks texts to contacts without recorded consent.
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YouWhat happens when someone replies STOP?
Funnel Suite teamThey are opted out immediately across the account, and the AI will not text them again unless they opt back in.
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YouCan LOs text from their own number?
Funnel Suite teamYes, each LO can have a local number registered under your company’s campaign.
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YouWhat does texting cost?
Funnel Suite teamThe AI and inbox are part of the AI Conversation Desk. Carrier message and registration fees are passed through at cost.
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YouCan the AI send rate alerts by text?
Funnel Suite teamRate-watch alerts go to the LO, not the borrower. The LO decides what to send using approved templates with any required disclosures.
No question matches that. Search the help center or ask us directly.
Hear SMS trained on your branch
On the walkthrough we’ll show a sample conversation built from your own website content and your rules for handoff.
Free 30-minute walkthrough · no obligation · reply within 1 business day
