For brokers and loan officers
Mortgage Dialer for Brokers Chasing Applications, Documents and Rate-Lock Dates
A mortgage dialer for brokers has to keep files moving, not just place calls. The Auto Dialer rings applicants from your phone and sounds an alarm before a document or a lock date slips.
Mortgage dialer for brokers
The Auto Dialer treats a mortgage file as a sequence of phone calls with dates attached. A broker defines the pipeline stages in the app, for example New enquiry, Fact find, Documents pending, Submitted, Offer and Completed, and can rename, recolour or reorder them later. New enquiries from a web form arrive through a Google Sheet or a REST API source that the app checks in the background, so the first call can happen while the applicant is still at the screen. From then on, every chase is a reminder. A follow-up can repeat every X days until an end date, which suits the payslip that never arrives on the first request, and each reminder can carry a WhatsApp message with the checklist. Calls go out one at a time from the broker's own number, which applicants recognise and can call back. On a status change, an automatic WhatsApp update can be sent too. Other trades using the same setup are listed under auto dialer for business.
Mortgage dialer pipeline calls
| Stage | Calls the broker makes | What the app tracks |
|---|---|---|
| New enquiry | First call to understand the purchase or remortgage | Lead imported from the form, with its source tag |
| Fact find booked | Confirms the appointment the day before | Reminder with an attached WhatsApp confirmation |
| Documents pending | Chases payslips, bank statements and identity papers | A reminder repeating every few days until the stage changes |
| Submitted to lender | Tells the applicant what happens next | Status change, with an automatic WhatsApp update if switched on |
| Rate lock or offer expiry | Calls before the date to keep the case on track | Expiry date in a custom field and an alarm set ahead of it |
| Completion | Thank-you call and a referral request | Lead turned into a client, with the case recorded as a sale |
| Product term ending | Remortgage or refinance review, years later | A custom-term package with a renewal reminder before it ends |
Mortgage dialer document chasing
Missing paperwork is where most broker time disappears, so set the chase up once and let the phone keep it going:
- Save your document checklist as a message template, with a PDF attached if you have one.
- When a file moves to Documents pending, set a follow-up that repeats every 2 or 3 days, with that template attached.
- Each time it fires, call from the reminder, then log in a remark which items arrived.
- Move the file to Submitted when the set is complete, and stop the repeating reminder.
The behaviour of these alarms on a locked or restarted phone is covered in the call reminder app guide, and the stage list itself is the same idea as a call disposition scheme, only with dates on it.
Mortgage dialer example
A sketch in round numbers; no broker's real pipeline is described.
A mortgage broker in Toronto has 30 open files. On Monday morning, 12 sit in Documents pending, 3 have lender commitments expiring within two weeks, and 6 new web enquiries came in over the weekend. The broker dials the 6 enquiries first, then the 3 expiry calls, then lets the 12 document chases come up as their reminders ring. That is 21 calls; at an average of 5 minutes each, including notes, they fit in under two hours. Two applicants do not answer and get one retry after a set time. Everything said is on each file before the first lender call of the day.
Mortgage dialer rules
Calling people who have applied or enquired is different from cold calling a list. In Canada, an inquiry creates an existing business relationship for 6 months and a purchase for 18 months under the Telecommunications Act; outside those, a number on the National DNCL needs express consent before any telemarketing call, and the calling window opens at 09:00 and closes at 21:30 on weekdays, and runs 10:00 to 18:00 on Saturdays and Sundays, by the consumer's clock. In the United States the matching periods are 18 months after a purchase and 3 months after an inquiry. This is general information, not legal advice; read auto dialer rules in Canada or auto dialer rules in the USA for the detail.
Mortgage dialer limits
- No loan origination system. It does not price products, run affordability checks or submit to lenders. Your origination software can still receive the call log via a third-party CRM API link.
- No document portal. Files should arrive through your secure channel; the app tracks the chase.
- No refinance blasts. High-volume campaigns to old or bought lists need a call centre platform and a careful look at consent; there is no predictive dialing, voicemail drop or answering machine detection here.
- One call per phone. A brokerage with many callers on shared lists may also want the team controls in auto dialer software.
Brokers who also arrange life or home cover for their borrowers can keep those policies on the same client record, as the CRM for insurance agents page explains, and solo life advisers have the auto dialer for life insurance agents guide. Teams who mainly call loan enquiries in India, rather than mortgage applicants, will find their workflow on the loan telecalling page. Lenders whose desk also chases missed repayments can use the same app as a collections dialer.
Mortgage dialer FAQ
11 questions, answered
Which mortgage dialer works without a call centre?
The Auto Dialer is a mortgage dialer that runs on the broker’s own Android phone or iPhone. It calls applicants one at a time from your SIM, logs each outcome against the file, and rings an alarm for every document chase or deadline, with no headset or cloud seat to rent.
Is The Auto Dialer a mortgage dialer?
Yes. The Auto Dialer is a mortgage dialer for brokers and loan officers who call enquiries and applicants they already have: it moves each file through your own pipeline stages, chases outstanding paperwork on a repeating reminder, and keeps every call and message on the applicant’s record.
How do mortgage brokers get clients?
Mostly through referrals from past clients, estate agents and other professionals, plus enquiries from their own websites and adverts. Speed matters with enquiries: a form that waits a day goes cold. A dialer does not create leads, but it makes sure every new one is called quickly.
Can I set an alarm before a rate lock or offer expires?
Yes. Keep the expiry date in a custom field on the applicant’s file and schedule a follow-up for a few days earlier. That follow-up goes off at full alarm volume on the chosen minute, whether or not the screen is unlocked, and the applicant can be rung from the alert.
Can the app collect mortgage documents from applicants?
No. It is not a secure document portal. You can send the checklist by WhatsApp, keep chasing on a schedule and log what has arrived, but the files themselves should travel through the secure channel your firm or lender requires.
Can mortgage brokers cold call?
In the United States, a sales call to a number on the national do-not-call registry needs an exemption, such as an inquiry made within 3 months. In the UK, numbers on the TPS may not receive unsolicited live marketing calls without specific consent. Other countries differ. This is general information, not legal advice.
Is a mortgage dialer also a mortgage CRM?
In The Auto Dialer, yes. Each applicant is a lead with your own stages, custom fields such as loan amount or lender, remarks, reminders and the full call and WhatsApp history. A completed case becomes a client with the mortgage stored as a sale. Origination software still does the lending work.
How should a loan officer follow up a new mortgage lead?
Ring the same day the enquiry lands, ideally while the person is still comparing rates. If they miss it, try once more after a set gap and let an automatic WhatsApp tell them who called. Agree the fact-find time during the call and set its reminder there and then.
Can the firm owner see which adviser called each applicant?
Yes. Applicants sit in the queue of the adviser they were assigned to, the team call log shows every adviser’s calls to the owner, and moves between advisers keep a transfer history. Status changes are dated as well, so a file shows when it went from fact find to submitted.
Can I be reminded when a past borrower’s fixed rate ends?
Yes. Store the product as a custom-term package on the client’s sale, and a renewal reminder arrives before the term finishes. That leaves time to phone about a remortgage or refinance review well before the rate changes, with the original case notes on the same record.
Does the app work for mortgage brokers in the UK and Canada?
It runs on any Android phone or iPhone with a SIM, and numbers are read correctly through a country setting on each import source. The rules differ: the UK uses the TPS for marketing calls, while Canada sets weekday and weekend hours by the consumer’s clock. This is general information, not legal advice.
Keep every mortgage file moving
Set your stages, put the document chase on a timer, and call applicants from your own number. Ask for a trial.