When a lead texts at 9 PM on a Saturday, your AI responds instantly — with mortgage knowledge, not generic scripts. It qualifies, answers questions, and books appointments while you're living your life.
Here's a scenario every LO knows: a lead comes in at 8:47 PM. You're at dinner. You see the notification, tell yourself you'll respond after dessert. By 9:15 PM, that lead has already talked to two other lenders.
78% of mortgage leads go with the first lender who responds. Not the cheapest rate. Not the best reviews. The first one who picks up the phone — or the text.
You can't be available 24/7. But your AI can. And it doesn't just say "thanks for reaching out, someone will contact you shortly." It has an actual conversation. It asks the right questions. It qualifies the lead. And when the lead is ready, it books them directly into your calendar.
This is what happens when a lead texts your number at 9:47 PM on a Saturday night. Your AI handles the entire conversation — from first message to booked appointment.
Chatbots follow scripts. When the conversation goes off-script, they break. Empower LO's AI is different.
| Capability | Traditional Chatbot | Empower LO AI |
|---|---|---|
| Response style | Scripted menu options | Natural conversation |
| Handles unexpected questions | "I don't understand, please select an option" | Answers intelligently or asks clarifying questions |
| Mortgage knowledge | None — generic scripts only | Understands loan types, rates, down payments, qualification |
| Books appointments | Links to a booking page | Books directly into your calendar within the conversation |
| Lead qualification | Collects name and email | Qualifies intent, timeline, budget, and loan type |
| Human handoff | Abrupt "connecting you to an agent" | Seamless transition when conversation needs a personal touch |
| Works on | Website widget only | SMS, web chat, Facebook, Instagram DMs |
Responds to new leads in under 60 seconds, any time of day or night. No delays, no voicemail, no "we'll get back to you."
Asks the right questions: purchase or refi? Price range? Timeline? Down payment? Pre-approved? Gathers the info you need before the call.
Checks your calendar availability and books directly within the conversation. Lead gets a confirmation. You get a notification.
When the conversation gets complex — unusual situations, rate negotiations, emotional decisions — AI smoothly transitions to you with full context.
Works across SMS, website chat, Facebook Messenger, and Instagram DMs. Same AI, same mortgage knowledge, every channel.
Evenings, weekends, holidays — your AI never sleeps. 40% of leads come in outside business hours. Now you catch every single one.
Here's the power play: combine Empower LO's automation engine with AI conversations and you get a system that's nearly impossible to beat.
A lead comes in at 2 AM. Within 60 seconds, they get a personalized text. If they reply, AI picks up the conversation, qualifies them, and books an appointment. By the time you wake up, there's a qualified lead with a 10 AM appointment on your calendar.
You didn't do anything. The system did it all.
Meanwhile, the three other lenders that lead also contacted? They'll call back Monday morning. By then, your lead is already pre-approved.
Average AI response time — faster than any human can type
Get an AI assistant that responds instantly, qualifies intelligently, and books appointments while you sleep.
Your next client just texted at 9 PM. Will you be the one who answers?