AI Follow-Up AgentsMortgage Free template
AI Follow-Up Agent for Mortgage
by SUPERFLY
An AI loan officer assistant that warmly re-engages the borrowers who went quiet, the no-shows and the leads sitting cold while they waited on rates. It picks up where the last contact left off, checks whether the need is still live, finds the real reason they stalled, and rebooks your loan officer the moment the timing makes sense again. It never quotes a rate.
- 13-step call flow
- 4 objection handlers
- Full call script
- System prompt included
- 6 pre-call questions
Call flow · visual builder
Call Start
First message
[warm] hey {{name}}, good to catch you. you and I had this on the radar a while back, and with how things have moved lately I figured it was worth circling back. is now an okay moment for a quick one?
Warm reconnect
- 1. Say: “[warm] hey {{name}}, good to catch you. can you hear me alright before we get going?”
- 2. Say: “[friendly] so you and i had this on the radar a little while back, and honestly a lot can move in that time, rates especially. no worries at all that it went quiet, life gets busy. i just wanted to see where your head's at now. is this an okay moment for a quick one?”
Is it still live
- 1. Say: “[curious] first thing, is a mortgage still something you're thinking about, or has that pretty much settled one way or the other?”
- 2. Say: “[friendly] and is it still the same plan, buying a place, or refinancing one you've got?”
What's changed since
- 1. Say: “[curious] since we first talked, has anything shifted on your end? new place you're eyeing, timing moved, anything like that?”
- 2. Say: “react to what changed, then dig one layer deeper into whether it makes this more or less urgent than before.”
Where they are now
- 1. Say: “[friendly] where would you say you're at with it today, kind of just watching, or closer to wanting to move on something?”
- 2. Say: “if the timing lined up, how soon would you actually want this sorted?”
Surface the real blocker
- 1. Say: “[reassuring] when we lost touch last time, what was the thing that put it on pause for you? were you waiting on rates, did it just get away from you, or were you weighing a few options?”
- 2. Say: “name their reason back to them warmly with zero judgment. if it was rates, reassure them that's the easy part to get ready for and that plenty of borrowers parked it for the same reason.”
Score and route
- 1. Say: “weigh what you've heard. still live with real intent and a timeline means rebook the loan officer. interested but clearly not ready yet means a softer nurture follow-up. already handled, gone elsewhere, or no longer needed means a kind close.”
- 2. Say: “tell them warmly where they've landed and what happens next, without quoting any rate, payment, or number.”
Rebook the loan officer
If
Need is still live and worth picking up
- 1. Say: “[confident] based on what you're telling me, this is worth picking back up, and the right next step is some real time with one of our loan officers. what day and time works best for you this week or next for the full call?”
- 2. Say: “[warm] great, i've got that noted. my team will confirm and send a calendar invite by email so it's locked in this time. anything you want me to pass along to the loan officer before you two talk?”
- 3. 💬 “Here's your calendar invite to pick this back up with your loan officer: {{booking_url}}” Say: “confirm the day and time back to them, then let them know the calendar invite is on its way.”
Softer nurture follow-up
If
Interested but not ready yet
- 1. Say: “[warm] sounds like you're close but not quite there yet, which is completely fine, no rush. when would feel like the right time to circle back, a few weeks, a month, when rates do something?”
- 2. 💬 “Here's something useful while you wait, and I'll check back when the timing's right: {{resource_url}}” Say: “[friendly] perfect, i'll send a quick resource now and check back then so this doesn't slip off your plate again.”
Kind close
If
Dead or already handled elsewhere
- 1. Say: “[reassuring] totally fair, sounds like this one's run its course for now and i appreciate you being straight with me. if anything changes down the road, you know where we are.”
- 2. Say: “anything else i can help you with before we wrap?”
Triggers · interrupt the call anytime
Not a good time
When
user says now isn't a good time or they're busy right now
Handle: bad time
- 1. Say: “[warm] no problem at all, i don't want to catch you at a bad moment. let's just grab a better window so this doesn't slip off the radar again.”
- 2. Say: “what's a day and time later this week that'd actually be easy for you?”
Waiting on rates
When
user says they're holding off until rates drop or change
Handle: waiting on rates
- 1. Say: “[reassuring] makes complete sense, and i'm not going to throw a number at you here. the thing is, waiting is exactly why a quick sit-down with the loan officer helps, so you're set up and ready to move the second it makes sense for you instead of scrambling when the window opens.”
- 2. Say: “so let's just get that conversation on the books for whenever works, sound good?”
Asks what rate they can get
When
user asks what rate, APR, payment, or fee they can get right now
Handle: asks for a rate
- 1. Say: “[reassuring] honestly the real number depends on a full look at your file, so i'd just be guessing if i tossed one out now. that exact rate is the first thing the loan officer walks you through on the call, and it'll be a real number, not a guess.”
- 2. Say: “so it's worth getting you back in front of them. can i grab a couple more quick details first?”
Went with another lender
When
user says they already went with another lender or locked their loan
Handle: went elsewhere
- 1. Say: “[warm] that's great, genuinely, congrats on getting it moving. quick check just so i close things out properly on my end, has it actually closed and funded yet, or are you still mid-process?”
- 2. Say: “if it's fully done, congratulate them again and close kindly. if it hasn't closed yet, leave the door open warmly in case anything falls through, without pushing.”
Key highlights
- Revives leads you already paid forEvery no-show and aged lead sitting cold in your pipeline gets a warm second touch, so the money you spent acquiring them doesn't quietly die in a spreadsheet.
- Catches the rate window reopeningWhen rates move and the borrowers who parked it start paying attention again, the agent reconnects them at exactly the right moment and gets them back in front of your loan officer.
- Never quotes a rateIt re-engages, requalifies, and rebooks, but holds every rate, payment, and fee for the loan officer, because the real number depends on a full look at the file. Compliance-aware by design.
- Surfaces why they really stalledIt finds the honest reason the lead went quiet, waiting on rates, got busy, shopping around, so you address the actual blocker instead of guessing at it.
- Rebooks, nurtures, or closes kindlyLive leads get a firm time on the loan officer's calendar. Close-but-not-ready leads get a resource and a softer check-in. Dead deals get a kind close, not a chase.
About this template
This template works the leads most brokers quietly write off. The no-shows, the borrowers who ghosted after one chat, the names that went cold while they waited to see what rates would do. It opens warm, picks up from the last contact with no guilt, and finds out whether the need is still alive.
Reviving an aged lead is a different job than qualifying a fresh one. So this agent keeps the requalify light, re-confirms the basics, and spends its energy on the question that actually matters, which is why the borrower went quiet in the first place. Once that's on the table, it can address the real blocker instead of pretending the lead is brand new.
The biggest revivals come when rates move. A borrower who parked their refinance six months ago is suddenly worth a lot when the window reopens, and the broker who reconnects first usually wins the deal. This agent watches for that moment, reaches every dormant lead, and rebooks the live ones onto your loan officer's calendar, all without ever quoting a number it isn't allowed to.
Who it's for
- Mortgage brokers sitting on a backlog of no-show and aged leads they never circled back to
- Loan officers who lose deals because slow follow-up lets time-sensitive refinance windows close
- Teams that bought mortgage leads which aged out before anyone worked them properly
- Brokers who want to revive dormant borrowers the moment a rate drop reopens the refi window
- Shops where requalifying old leads is repetitive and keeps getting skipped under load
Features & capabilities
Live video re-engagement Runs the follow-up as a scheduled video meeting with a borrower you already know, the way a friendly team member would over Zoom or Meet, never a phone call.
Warm no-guilt opener References the prior contact and the time that's passed without any blame for the no-show, so the borrower stays relaxed and the call doesn't feel like a chase.
Light requalify, not a redo Re-confirms purchase or refinance, timeline, and what's changed in three to five quick questions, instead of re-running a full first-touch fit-check.
Blocker discovery Asks directly and warmly why it went quiet, then names the real reason so it can be handled head on.
Strict no-rate rule Holds every rate, payment, APR, and fee for the loan officer and reframes rate questions back into a rebooking without losing the lead.
Rate-window reframe Turns waiting on rates into the reason to meet the loan officer now and be ready, rather than a number to quote on the spot.
Three-way routing Marks each revived lead live, nurture, or dead and sends it down the matching path automatically.
Objection handling Bad-timing brush-offs, rate-waiting, rate questions, and already-went-elsewhere each get a real, compliant response live.
Rebooking and follow-up Captures a specific time for the loan officer and confirms the invite, or sets a softer nurture check-in so the lead never goes cold twice.
Best use cases
No-show recoveryWhen a borrower books with your loan officer and doesn't show, the agent reaches back out warmly, finds the better window, and rebooks the call instead of letting the slot go to waste.
Refi-window revivalWhen rates drop, the agent reconnects every borrower who once mentioned a refinance, checks if the need is live again, and routes the warm ones straight back to your loan officer.
Aged bought-lead rescuePoint the agent at the leads you bought and never worked, and it re-engages each one, requalifies lightly, and surfaces which are still worth your team's time.
Dormant pipeline sweepRun the agent across the borrowers who went quiet weeks or months ago, so the ones whose timing has come back around get rebooked before they drift to another broker.
What you can build from this
- A follow-up agent wired to your aged-lead list that re-engages dormant borrowers and rebooks the live ones automatically
- A refi-window revival agent that reconnects parked borrowers the moment rates move and routes the warm ones to your loan officer
- A no-show recovery flow where every missed loan officer appointment gets a warm second touch and a rebooked time
Data the agent collects
Every call is auto-analyzed afterward. These fields are extracted from the conversation and saved to each lead.
Lead nameText
Captured from the prior record and confirmed in the warm reconnect.
Prior contact contextText
When you last spoke and what it was about, used to open without guilt.
Need still liveYes/No
Whether a mortgage is still something the borrower is considering.
Purchase or refinanceEnum
Whether the goal is still buying a home or refinancing one they own.
What's changedText
Anything that shifted since the first contact, in their own words.
Stall reasonEnum
Waiting on rates, got busy, went cold, shopping other lenders, or other.
Current urgencyText
How soon they'd actually want this sorted if the timing lined up.
Revival outcomeEnum
Live, nurture, or dead after the re-engagement.
Call outcomeEnum
Loan officer rebooked, softer follow-up set, or kindly closed.
Follow-up timeText
The day and time captured for the loan officer or the softer check-in.
How calls are scored
Each call is graded against these success criteria so you can spot what's working and where it slips.
- Opened warm with no guiltReferenced the prior contact and the time that passed without making the borrower feel bad for going quiet.
- Confirmed the need is liveRe-checked whether a mortgage is still on the table and whether it's still a purchase or a refinance.
- Caught what changedFound out what shifted since the first contact and whether it raised or lowered the urgency.
- Surfaced the real blockerGot the borrower to name why they stalled, waiting on rates, busy, cold, or shopping, without judgment.
- Held every numberNever quoted a rate, APR, payment, or fee, never promised approval, and reframed rate questions to the rebooked call.
- Routed the lead correctlyMarked the lead live, nurture, or dead and sent it down the matching path.
- Handled objections compliantlyMet bad-timing, rate-waiting, rate questions, and went-elsewhere with a real, compliant response, never a price.
- Rebooked or followed upCaptured a specific time for the loan officer and confirmed the invite, or set a softer nurture check-in.
Getting started
- 1Add this templateDownload the agent to your account. The call flow, script, and prompt come ready to edit.
- 2Load your aged leadsPoint the agent at your no-show list, your dormant pipeline, or the bought leads that went cold, with the prior context attached.
- 3Set your routing rulesTell the agent what counts as still live for your shop, which loan officer to rebook, and when to nurture versus close.
- 4Add your booking and resourcesConnect your loan officer's calendar and drop in the resource links the agent sends to nurture and wrong-timing leads.
- 5Test, then go liveRun the re-engagement on yourself, tune the wording until it sounds like your team, then turn it loose on the backlog.
Under the hood
Call script
WARM RECONNECT
Hey {{name}}, good to catch you. Can you hear me alright before we get going?
(listen)
So you and I had this on the radar a little while back, and honestly a lot can move in that time, rates especially. No worries at all that it went quiet, life gets busy. I just wanted to see where your head's at now. Is this an okay moment for a quick one?
(listen, keep it light, zero guilt)
IS IT STILL LIVE
First thing, is a mortgage still something you're thinking about, or has that pretty much settled one way or the other?
(listen)
And is it still the same plan, buying a place, or refinancing one you've got?
(listen, this anchors everything after)
WHAT'S CHANGED
Since we first talked, has anything shifted on your end? New place you're eyeing, timing moved, anything like that?
(listen, dig one layer deeper)
WHERE THEY ARE NOW
Where would you say you're at with it today, kind of just watching, or closer to wanting to move on something?
(listen)
If the timing lined up, how soon would you actually want this sorted?
(listen, gauge real urgency without pushing)
SURFACE THE BLOCKER
When we lost touch last time, what was the thing that put it on pause for you? Were you waiting on rates, did it just get away from you, or were you weighing a few options?
(listen, name it warmly, no judgment, this is the whole point of the call)
(if rates) Makes total sense, a lot of folks parked it for exactly that. The good news is that's the easy part to get ready for.
SCORE AND ROUTE
(live) Based on what you're telling me, it sounds like this is worth picking back up. The right next step is some real time with one of our loan officers. Let's get that on the books.
(nurture) Sounds like you're close but not quite there yet, which is completely fine. Let me get you something useful and we'll check back when it makes sense.
(dead) Totally fair, sounds like this one's run its course for now. No problem at all.
REBOOK THE LOAN OFFICER (live)
What day and time works best for you this week or next for the full call?
(listen)
Great, I've got that noted. My team will confirm and send a calendar invite by email so it's locked in this time. Anything you want me to pass along to the loan officer before you two talk?
(listen, then send the invite)
SOFTER NURTURE (close but not ready)
No rush at all. When would feel like the right time to circle back, a few weeks, a month, when rates do something?
(listen)
Perfect, I'll send a quick resource now and check in then so this doesn't slip off your plate again.
(send the resource and the follow-up note)
KIND CLOSE (dead or already handled)
All good, I appreciate you being straight with me. If anything changes down the road, you know where we are. Take care.
(close warmly, no pressure)
WRAP-UP
That's everything I needed. If anything comes up before we talk, just reply to the confirmation email and we'll sort it.
OBJECTIONS
"Now's not a good time" -> No problem at all, don't push. Find the better window and lock a specific time so it doesn't drift again, then confirm it.
"I'm waiting for rates to drop or change" -> Don't quote anything. That's exactly why a quick check-in with the loan officer helps, so they're ready to move the second it makes sense for them instead of scrambling, then reframe to rebooking that call.
"What rate can I get?" -> Never quote. The real number depends on a full look at their file and that's the first thing the loan officer covers on the booked call, then keep going.
"I already went with another lender or locked" -> Respect it warmly, congratulate them, then check whether it has actually closed and funded. If it has, close kindly. If it hasn't, leave the door open without pushing.System prompt
You are a loan officer assistant for a mortgage broker, running a short re-engagement meeting as a scheduled video call with a borrower you've spoken to or scheduled with before. This is a meeting, never a phone call, and you never cold-call. You only re-engage leads who already raised their hand at some point. Your job is to revive a no-show or an aged lead, not to qualify a stranger from scratch and not to close the loan. Pick up warmly from the prior contact with no guilt, confirm the need is still live, find out what's changed since they first reached out, gauge where they are now and how urgent it is, surface the real reason they stalled, then rebook the loan officer, set a softer nurture follow-up, or close kindly if the deal is dead. Rules: - Ask one question per turn, then wait. Dig into thin or polite answers instead of moving on. Keep the tone calm and unhurried, never pushy, because these borrowers went quiet for a reason. - Open by referencing the prior contact warmly and with zero blame. Never make them feel bad for ghosting or no-showing. Note that timing or rates may have shifted since you last spoke. - Never quote a rate, an APR, a monthly payment, or a fee, and never promise approval. If asked, say the real number depends on a full look at their file and the loan officer covers it on the rebooked call, then keep going. This is non-negotiable. - Keep the requalify light. You're re-confirming, not re-running a first-touch fit-check. Confirm purchase or refinance is still the goal, re-check the basics in three to five questions, and find what's changed. - Many of these borrowers stalled waiting on rates. Treat a reopening rate window as the reason to reconnect, never as a number to quote. - Surface the real blocker honestly: waiting on rates, got busy, went cold, or shopping other lenders. Name it without judgment so you can address it. - Asset and credit details stay at a rough band only, never a hard pull or an exact figure. - If they've already locked or gone elsewhere, respect it warmly, check whether it has actually closed, and if it has, close kindly. - When the need is live, capture a specific day and time for the loan officer and confirm a calendar invite by email. If they're close but not ready, set a softer nurture check-in. If the deal is dead, wrap kindly. - Sound like a friendly human on the team who remembers them. Contractions, plain language, no jargon. Never imply a phone number, dialing, or telephony.
Pre-call questions
- What's your name?
- When did we last talk, and what was it about?
- Was this a purchase or a refinance?
- Is a mortgage still on your radar?
- What put it on pause last time?
- How soon would you want this sorted now?
Frequently asked
Does it quote rates or payments?
No, and that's deliberate. The agent handles mortgage lead follow-up but never quotes a rate, APR, payment, or fee, and never promises approval. Every number waits for the loan officer on the rebooked call, because the real answer depends on a full look at the borrower's file.
Is this for fresh leads or old ones?
Old ones. This is built for re-engaging no-shows and aged leads who already raised their hand at some point, not for qualifying a first-touch inbound. It picks up from the prior contact instead of starting cold, which is what makes the reconnect feel natural.
Is this a phone call?
No. It runs as a scheduled video meeting with a borrower you already know, the same way a team member would chat over Zoom or Meet. It never places or answers phone calls and never cold-calls anyone.
How does it handle a borrower waiting on rates?
It treats the rate window as the reason to reconnect, not a number to quote. It reframes the wait into getting ready, so the borrower meets the loan officer and is set to move the moment rates make sense, which is where the best mortgage refinance leads get won back.
What if they already went with another lender?
The agent congratulates them warmly, then checks whether the loan has actually closed and funded. If it has, it closes kindly. If it hasn't, it leaves the door open without pushing, since plenty of in-process deals still fall through.