AI prompts for loan officers

Here's something worth sharing with my clients and partners: [paste your update, e.g. "30-year rates dropped a quarter point this week" or "just closed a first-time buyer in 21 days with 3% down"].

Turn this into 5 versions:
1. A LinkedIn post (conversational, under 150 words)
2. A text message to past clients (2 sentences max)
3. A 30-second voicemail script
4. A one-line Instagram caption
5. A subject line plus a 2-sentence email intro

Keep my tone [describe it, e.g. "warm and a little informal" or "direct and confident"]. No sales pitch in any of them, and no promises about where rates are headed.

I'm talking to a potential borrower who isn't ready to buy yet. Here's their situation: [describe it without personal identifiers, e.g. "credit score around 580, $3,000 saved, wants a $300k home in 18 months, has a car loan and two credit cards near their limits"].

Write a simple, encouraging month-by-month plan they could follow to get mortgage-ready, covering the specific things in their way: credit, savings, debt, and documentation. Keep it realistic and specific to their situation. End with a line inviting them to check back in with me every couple of months.

Then give me a separate follow-up checklist for MYSELF: which months I should reach back out, what milestone to check at each one (e.g. "month 3: ask if they've pulled their credit report"), and a one-line opener I can text them at each check-in.

I want you to learn my writing voice so future emails and texts to clients and referral partners sound like me.

Here are 3 examples of emails or texts I've actually sent (personal details removed):

[paste 3 real emails or texts, even informal ones]

Based on these, describe my tone in a few words. Then write a new [email/text] in that same voice about this topic: [describe the situation, e.g. "letting a past client know their rate is now high enough above market that a refi is worth a conversation"].

I have a borrower who's gone cold and I want to reach back out without sending a generic "just checking in" message.

Here's what I know: [describe the situation without personal identifiers, e.g. "preapproved 4 months ago, went quiet after my second follow-up, may be working with another lender" or "closed with me 2 years ago, no contact since, probably has enough equity now for a move-up"].

First, give me your best guess at why they went quiet. Then write a short, low-pressure text or email opener that fits that specific reason. Keep it under 40 words, and don't mention rates or the loan unless that's the actual reason for reaching out.

Then give me a one-line fallback message I can send if they don't respond within a week.

I want to turn real borrower questions into content I can reuse.

Here are questions borrowers have actually asked me recently: [paste 10 to 15 questions, even rough ones, e.g. "why did my rate change after I got preapproved," "what's the difference between prequalified and preapproved," "do I really need 20% down"].

For each one, write a short, plain-English answer (2 to 3 sentences, no lending jargon, no rate predictions). Then group them into 3 or 4 themes (e.g. "credit and approval," "down payments and costs," "timing and rates") and suggest a title for each group I could use as a social post or a page section on my website.

Mortgage rates just [describe the move, e.g. "dropped from 6.9% to 6.5% over the past three weeks" or "rose a quarter point after the jobs report"].

Write a short email to my past clients that explains in plain language what happened and why, what it means for someone who already owns a home, and what it means for someone thinking about buying. Reading level: 7th grade. Under 150 words.

Rules: no prediction about where rates go next, no pressure to act, and end with one question that invites a reply. Then give me a 2-sentence text version of the same message.

Explain [loan term or program, e.g. "a 2-1 buydown," "mortgage insurance and when it drops off," "an FHA 203(k) renovation loan," "rate lock and float-down"] to a first-time homebuyer.

Give me three versions:
1. A 2-sentence explanation I can say on a call
2. A short email (under 120 words) with one simple example using round numbers
3. The three questions a borrower is most likely to ask next, each with a 1-sentence answer

Plain English only. If a detail depends on the lender or the program, say so instead of guessing.

Write a weekly loan status update for a purchase loan. Here's where we are: [describe the status without personal identifiers, e.g. "appraisal came back at value Tuesday, underwriting has the file, we're waiting on the borrower's updated bank statement, closing is set for the 28th"].

Give me two versions:
1. For the borrower: what's done, what's next, exactly what I need from them and by when. Under 100 words, no lending jargon.
2. For the buyer's agent: the same status in 3 to 4 lines, with the one thing that could move the closing date.

End both with the next date they'll hear from me.

I'm a loan officer meeting a real estate agent for the first time. Here's what I know about them: [describe, e.g. "sells 20 to 25 homes a year, mostly first-time buyers in the $350k to $450k range, active on Instagram, currently works with one lender at a big bank"].

First, give me 6 questions to ask in the meeting that show I understand their business and surface where their current lender is falling short, without me saying anything negative about that lender.

Then give me a list of 8 co-marketing ideas we could run together in the next 90 days, ranked by how little effort they take from the agent. For each one, say what the agent gets out of it in one sentence.

Finish with a short follow-up email I can send the same day that references one specific thing from the meeting: [leave a blank for me to fill in].

A borrower told me they're going to wait for rates to drop before buying. Here's their situation: [describe without personal identifiers, e.g. "renting at $2,400 a month, preapproved for $400k, looking at a $380k home at today's 6.6% rate, hoping rates hit 5.5%"].

Write a response I can say on a call or send as an email that:
1. Agrees that waiting is a reasonable thing to consider
2. Walks through what waiting actually costs them, using their numbers: rent paid while waiting, and what happens to the monthly payment if home prices rise [X%] before rates fall
3. Explains refinancing later in one plain sentence
4. Ends with a question, not a push

Under 200 words. No prediction about where rates go. No urgency language.

Who are the three most important clients I should speak to today, and why?

For each one, show me what changed recently (home value, equity, rate, or activity in Homebot), what kind of opportunity it looks like (refi, cash-out, move-up, or just curious), and the one thing I should lead with on the call.

Then rank them by how time-sensitive each one is.

Pull my Highly Engaged clients: the ones with 5+ high-intent events in the last 90 days. For each, tell me:
- What they qualify for (refi, cash-out, likely-to-sell, listed, etc.) and what that implies about intent
- Whether they also stack onto another opportunity list
- Whether they have a real estate agent on their team

Then give me the top 5 to call first, ranked by signal strength and time-sensitivity, with a one-line opener for each.

Show me my loan loss over the last 12 months: every past borrower who took a new mortgage with a different lender. For each one, tell me the loan amount, the loan type, and which lender got the deal.

Then give me the total volume I lost, the top three lenders taking my business, and a shortlist of five past borrowers to call this week before I lose their next deal too.

Who are the loan officers I compete with the most? Give me a breakdown of the agents they work with, and flag any agent who works with both of us.

Then show me how I rank in [zip code or market, e.g. "80205" or "Denver metro"] against those loan officers, and what trends are showing up in my market right now: home values, equity, refi activity, and clients showing signs of planning a move.

Finish with the three things I should do this month based on what you found.

Show me my top 10 real estate agent partners over the last 12 months. For each one, tell me how many deals we've done together, their total volume, and what share of their business I'm getting.

Then flag the three agents where I have the most room to grow: agents doing a lot of deals but sending most of them to other loan officers. For each one, tell me specifically why there's room and what to lead with when I reach out.

Looking at my closed loans from the last 12 months, find the 3 real estate agents I haven't closed a deal with who are most active in the zip codes and price range where I do the most business. For each, show their 12-month deal count and volume, typical price range, loan-type mix, top 2-3 neighborhoods, and how many of my past borrowers have bought or sold with them.

For each referral partner, compare deals sent to me in the last 90 days vs. same 90 days last year. Flag those where my deal count dropped, and show whether their total volume also fell or only my share did.

Return the top 3 to re-engage today, each with:
- 2-3 talking points
- A short message I can send

For my top 3 high-equity clients, compare a cash-out refi at [your cash-out rate] vs. a HELOC at [your HELOC rate]. Show the monthly payment difference for each.

Pull clients on Likely to Sell, Just Listed, or with a future move date set. For each, show:
- Signals they're on + LTS score + last Homebot activity
- Home value and equity
- Attached real estate agent (name + verified?), if any

Rank the top 5 by signal strength and give me a one-line lead-in for each, framed around equity, listing status, and whether they already have an agent.

Using an assumed new rate of [YOUR RATE]% on a 30-year fixed, with closing costs estimated at 2% of the refinanced balance:

Pull all my Ready for Refi clients. For each one, show their current rate, remaining balance, current monthly P&I, new monthly P&I at the assumed rate, estimated monthly savings, estimated closing costs, and break-even month count.

Flag any client whose current loan is old or nearly paid down, where a refi would reset their amortization clock. Frame those as cash-flow / cash-out conversations instead of pure savings.

Then rank the full list by monthly savings and tell me the top 3 to contact first and why.

Give me a full briefing on [client name] before I call them.

Show me their home value and how it's changed, their current rate and balance, their equity, and their refi savings at today's rates. Tell me what they've been doing in Homebot lately and which real estate agent is on their team.

Then give me the one thing to lead with on the call, and three talking points in the order I should use them.

Draft an email for [client name] based on what you know about their situation: their current home value, equity, rate, loan balance, likelihood-to-sell score, and whether a real estate agent is on their team.

Keep it under 120 words, plain language, one clear reason I'm reaching out, and one question at the end. Keep it generic enough that it only references things a client would plausibly already know about their own home (value, equity, rate), nothing field-specific I can't verify they've seen.

Then give me a 60-second call script covering the same ground, plus the two objections they're most likely to raise and how I'd answer each one.