An accepted offer, a condition running
The buyer calls with a financing condition deadline. She records the date as read and the real estate agent's name, and the call becomes an immediate alert rather than a later appointment. She quotes no rate.
Mortgage brokers
A buyer whose offer was just accepted asks for your best rate while you are in a meeting. Your receptionist records the condition deadline and the referring real estate agent, quotes no rate and alerts you right away.
$45 CAD / month · 50 Standard calls · 1 local number · no setup fee · no contract. Free trial: 7 days, 20 answered calls, no card.
Zenvox is an AI receptionist for mortgage brokers and agents across Canada. She answers in English and French, tells a purchase from a pre-approval, a renewal or a refinance, records the financing condition deadline and the referring real estate agent, and alerts you right away. She quotes no rate and asks for no income, employment or Social Insurance Number. The Real estate base costs $45 CAD a month with 50 Standard calls included and one local number, with no setup fee and no contract. The free trial runs for 7 days and covers up to 20 answered calls, with no card.
The text you get
Accepted offer — financing condition: next Friday. Referred by his real estate agent (Laval). No rate quoted. Callback requested as soon as possible.
For the requests you receive
A renewal coming up
« My bank sent me an offer. » She records the current lender, the maturity date and whether an offer has already arrived. She does not say whether to accept it.
A real estate agent referring a client
She records the agent's name, their brokerage, the client referred and the date of the offer, and alerts you. She says nothing about any referral fee.
Other requests you can delegate
A refinance or debt consolidation
She records the goal in the caller's own words and the current lender, then books a call with you. She takes no view on whether refinancing makes sense.
A self-employed borrower or a newcomer
She records the type of request and the best time to speak with you. She does not judge eligibility and asks for no income or documents over the phone.
A lender, a notary or an appraiser
She records the file, the reason and the deadline, and leaves a priority message. She does not confirm a file's status without verified identity.
The financing condition captured, no rate quoted
The broker gets the alert on leaving the meeting: an accepted offer, the condition deadline, the referring agent, texting allowed, and a note that no rate was quoted and no financial data was asked for.
Read the full conversation
Saturday, 4 p.m. The broker is in a meeting. A buyer whose offer has just been accepted calls, referred by his real estate agent.
ReceptionistHello, let me first take your name and a number to reach you.
CallerMy offer was just accepted. What's your best rate?
ReceptionistI cannot quote rates over the phone: the broker gives you the exact options on your call. What is the financing condition deadline written in your offer?
CallerNext Friday. My agent, at a brokerage in Laval, gave me your number.
ReceptionistI am recording the date and your agent's name. The broker is getting an alert now and will call you back as soon as possible. May I text you the callback time, with no financial information?
What she does for your mortgage brokerage
What she handles while you are with a client or a lender, and what she keeps out of the call: rates and the financial situation.
When an offer has just been accepted
She records the financing condition deadline as written in the offer to purchase.
The date stays the one the buyer reads out, with no counting.
She records the real estate agent’s name and brokerage when the agent refers the buyer.
The referral stays attached to the lead.
An accepted offer with a condition becomes an immediate alert rather than a later appointment.
That is the preset’s rule for a condition that is running.
Renewals and refinancing
For a renewal, she records the current lender, the maturity date and whether an offer has arrived.
She does not say whether to accept the bank’s offer.
For a refinance, she records the goal in the caller’s own words and the current lender.
She takes no view on whether refinancing makes sense.
She books the discovery call, the renewal or the refinance into your windows.
The confirmation and reminder go out with no financial data.
What she keeps out of the call
Asked for a rate, she answers that you will give the exact options on your call.
No rate is quoted, even a rough one.
She limits what she collects to the type of request and the dates, with no income, employment or Social Insurance Number.
Assessing the financial situation happens with you, through your secure channel.
Asked how you are paid, she notes the question for your callback.
You explain how you are paid yourself.
Partners and files in progress
She leaves a priority message when a lender, a notary or an appraiser calls.
File, reason and deadline are recorded, without confirming the file’s status.
She verifies a client’s identity before discussing a file in progress.
A client with a file in progress goes to the assistant under your rule.
She texts the callback time to a caller who agrees to it.
The text contains no financial information.
More, if you choose it
Each of these options is added separately, when it is useful to you.
- Add-on
With Brokerage and teams, a new mortgage lead goes to the available broker under your rotation.
The assignment is accepted by the broker and tracked to the outcome. Brokerage and teams
- Add-on
With Lead capture and sales follow-up, where each mortgage lead came from stays linked to its outcome.
The same file is not counted twice. Lead capture and sales follow-up
What she leaves to the broker
- She quotes no rate, even a rough one.
- She implies no approval and no amount.
- She gives no advice on fixed or variable rates, term, amortization or lender.
- She asks for no income, employment, Social Insurance Number, balance or down payment.
- She does not describe how you are paid.
- She says nothing about any referral fee.
What you can ask her
She answers from your brokerage’s calls and requests that you have access to. A question about an option applies only if you have switched it on.
The questionWhich accepted offers have a financing condition coming due?
She retrieves the deadline given and the referring real estate agent. She quotes no rate.
Which renewals were reported with an offer from the bank?
She retrieves the lender, the maturity date and the offer mentioned. She does not say which to accept.
Which leads are still waiting to be accepted by a broker on the team?
Add-onWith Brokerage and teams: pending assignments and their owner. Without the option, the call follows your transfer rule.
What happens to the request
You write your instructions once
Who receives new leads, your team's rotation rule, what triggers an alert, your callback windows and the secure channel where your clients send their documents. You change it all from the app.
The type, the dates, the referral
Name and number first. Then purchase, pre-approval, renewal or refinance; the condition deadline or maturity date, as read out; the current lender; who referred the caller. No rate, no financial data.
An alert, or a booked call
An accepted offer with a condition becomes an immediate alert. Pre-approvals, renewals and refinances are booked into your windows, with confirmation and reminder. The maturity dates captured feed your renewal follow-up.
What the Real estate base covers
A receptionist who answers during your meetings, sorts the request, captures the dates that press and alerts you, with no financial data. No setup fee, and you keep your number.
- Calls answered in English and French, evenings and weekends included
- Sorting of purchases, pre-approvals, renewals and refinances
- The financing condition deadline and maturity date, recorded as the caller reads them
- An immediate alert for an accepted offer with a condition
- The referral source recorded: real estate agent, brokerage or client
- Discovery calls, renewals and refinances booked into your windows
- A confirmation text with no financial data
She asks for no income, employment, Social Insurance Number, balance or down payment.
Decisions that stay with you
- She quotes no rate, even a rough one.
- She does not say or imply that financing will be approved, or for how much.
- She gives no advice on fixed or variable rates, term, amortization or lender.
- She does not describe how you are paid: you explain that yourself.
- She says nothing about any referral fee.
- She does not confirm that someone is a client, or a file's status, without verified identity.
- She does not suggest that you have already reviewed the file.
Ask your receptionist, too
This is included in your base plan. She answers using the calls, requests and business information you are allowed to access.
Talk to your receptionistA question you can ask
Which accepted offers have a financing condition coming due?
She retrieves the deadline given and the referring real estate agent. She quotes no rate.
What else you can hand to her
Beyond the base plan. Each one is added on purpose, separately from the base. None is switched on unless you choose it.
When your customers prefer to write
You can add a channel so she can continue the conversation with your customers. Any action she takes follows the same rules and the options you have chosen.
Optional customer channel
Customer text conversations
Confirm the callback or appointment time by text, with no financial data.
The transactional messages provided by your base plan and your own questions to the receptionist remain included.
Keeping your current software?
Check the actions supported, connection requirements and how to work when your software cannot perform the requested action.
The authorisation sits on your HubSpot account, with scoped read and write access. Zenvox finds the contact, creates the deal for a new lead and updates it as the request moves along; no financial data is written to it.
The first callback, and no rate
Since May 1, 2020, mortgage brokerage in Quebec has been overseen by the AMF, while the OACIQ kept real estate brokerage (Québec.ca). A mortgage broker's calls often start with a property deal: an accepted offer, a financing condition running, a real estate agent referring a client. Others come with a renewal letter from the bank.
Your receptionist answers while you are in a meeting or on the phone with a lender. She tells a purchase from a pre-approval, a renewal or a refinance, records the financing condition deadline or the mortgage maturity date as the caller reads them, the current lender and the referring real estate agent, and alerts you when a condition or maturity date is close.
She quotes no rate, even a rough one, implies no approval and does not describe how you are paid: you explain that yourself. She asks for no income, employment, Social Insurance Number, balance or down payment. In Ontario, the regulator (FSRA) warned the public about an unlicensed company that was collecting consumers' employment, income and Social Insurance Numbers.
In the same section
The other lines of work in this section run on the same engine, with their own requests and their own rules.
AI receptionist for real estate brokers and property managersReal estate: the late-night tenant and the Saturday buyer
Mortgage brokers — your questions
Can she give a rate to a buyer in a hurry?
No, not even a rough one. Rates move and depend on the file: she says so plainly, records the condition deadline and alerts you. You give the exact options.
Why does she not ask for the down payment or income?
Because assessing the financial situation is your job, and because in Ontario the regulator (FSRA) warned the public about an unlicensed company that was collecting consumers' employment, income and Social Insurance Numbers. Your receptionist records the type of request and the dates; the rest goes through your secure channel.
What does she say when asked how you are paid?
That she cannot answer for you: you explain how you are paid yourself. She notes the question for your callback.
What about renewals?
She records the current lender, the maturity date and whether a renewal offer has already arrived, then books a call with you. She does not say whether to accept the bank's offer.
How does she handle a real estate agent referring a client?
She records the agent's name, their brokerage, the client and the date of the offer, flags the referral and alerts you. She says nothing about any referral fee.
My team has several brokers. Who gets the call?
Under your rule: a new lead to the available broker, a renewal to the assigned broker, a file in progress to the assistant. With the Brokerage and teams option, the assignment is accepted by the broker and tracked to the outcome.
Do her texts contain financial information?
No. She texts only the callback time or an appointment confirmation, and only if the caller agrees. Documents go through the secure channel you name.
Your rules, before the first call
Start your free trial with your email. Your website can help prepare your business information, but it is optional. Confirm the facts, choose a first task and test your receptionist. You can try options too, starting with the ones you need.
Mortgage brokers