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Mortgage Broker Telemarketing & SMS That Actually Funds Loans

Reach refi candidates, credit-triggered prospects, and first-time buyers at scale. Voice broadcasting with press-1 transfers routes only interested borrowers to your licensed loan officers. Flat-rate from $599 per campaign.

7-day Credit trigger windows
100k+ Calls per campaign
NMLS Rep-compliant routing

Why Rate-Shift Windows Close Faster Than Your Team Can Call

Mortgage is an interest-rate-driven business with narrow opportunity windows. A 0.25% rate move creates thousands of refi candidates in your territory — but the window to reach them before they lock with another broker is measured in days, not weeks. Your team can't dial 100,000 refi candidates in 72 hours. Voice broadcasting can.

The brokers and LOs closing the most loans in 2026 aren't working harder — they're using infrastructure that reaches entire eligible borrower segments in a single campaign. When rates drop, within 48 hours they've voice-broadcast to 100,000+ underwater or near-underwater homeowners in their state, with press-1 transfers routing interested borrowers directly to licensed LOs. By the time competing brokers finish their manual call lists, the hot leads have already locked.

Who this works for

Mortgage Campaigns With Measurable Funded-Loan Outcomes

Proven campaign types for mortgage brokers and loan officers — each with typical conversion economics documented:

📉

Rate-Drop Refi Campaigns

Voice broadcast to above-market-rate homeowners when rates drop. Press-1 rates 2-4% on well-targeted mortgage data. Highest-ROI mortgage campaign type.

💳

Credit Trigger Outreach

FCRA-compliant credit trigger lists — consumers who just pulled auto/home credit. 7-14 day window. Voice broadcast reaches them before they finalize.

🏘️

Cash-Out Refi

Targeted outreach to homeowners with substantial equity. SMS campaigns with "access $X in equity" messaging produce strong reply rates.

🏠

First-Time Buyer Education

SMS and voice campaigns to renters and pre-approval-ready candidates. Longer conversion cycle but higher lifetime value.

🎖️

VA & Specialty Loan Campaigns

Targeted lists for VA refi, USDA, and other government-backed loan programs. Vertical-specific conversion.

📞

Past-Customer Refi Alerts

SMS to past funded-loan customers when their rate becomes refi-beneficial. Highest close rate of any mortgage campaign type.

How It Works

Simple flow from order to live campaign — most campaigns launch within 24 hours of payment confirmation.

1

Trigger Event Defined

Rate change, credit trigger, equity window — we help identify the audience segment that matches your campaign goal.

2

Compliant Script/Message

NMLS-compliant script review, APR disclosure where required, licensed-LO routing setup. We handle pre-launch compliance.

3

Launch Within 24 Hours

Voice broadcast or SMS blast launches same-day or next-day. Press-1 transfers route directly to your LO team.

4

Track Funded Loans

Campaign tracking goes beyond "contacts reached" — we help measure funded-loan attribution so you know cost per funded file.

Pricing Built for Mortgage Brokers & LOs

Campaign pricing calibrated to mortgage volumes. Typical ROI: $50-$150 cost per qualified refi application.

BRONZE
$599/campaign
100,000 SMS or 50,000 calls
  • Single campaign send
  • DNC + NMLS compliance review
  • Real-time tracking
  • Press-1 to licensed LOs
  • 24-hour launch
Order BRONZE
GOLD
$1299/campaign
2M+ SMS or 500k calls
  • Everything in Silver
  • Multi-channel combined
  • Custom compliance review
  • Credit trigger list integration
  • Dedicated launch manager
Order GOLD

All packages include DNC scrubbing, carrier-grade delivery, real-time tracking, and 24/7 launch support. Crypto or wire payment — no monthly contracts.

Mortgage Compliance: NMLS, TCPA, FCRA & State Rules

Mortgage marketing is regulated at federal and state levels. We configure campaigns to match the applicable standard so your pipeline is protected.

Built-in compliance handling:

  • NMLS-licensed routing — press-1 transfers route only to LOs licensed in the recipient state
  • TCPA compliance — DNC scrubbing, time-of-day windows, consent tracking
  • FCRA-compliant trigger lists — credit trigger data sourced with firm-offer-of-credit criteria met
  • APR disclosure — script review ensures Regulation Z and state-level rate disclosure rules are met
  • Call recording — compliant with applicable two-party consent states
  • Opt-out processing — automatic STOP handling, internal DNC tracking retained permanently

Ready to Reach Refi Candidates Before Your Competition?

Voice broadcasting campaigns that reach 100k+ mortgage prospects in 24 hours. NMLS-compliant routing, flat-rate from $599.

Start Your Campaign →

Frequently Asked Questions

Is voice broadcasting legal for mortgage refi outreach?

Yes with TCPA compliance. Requires proper DNC scrubbing, appropriate consent or manual-dial interpretations, and NMLS-compliant scripts. Credit trigger data use requires FCRA permissible purpose (firm offer of credit). We handle infrastructure compliance; LOs handle licensing.

What's a realistic cost per funded loan on a voice broadcast campaign?

Varies by rate environment and list quality. Typical range: $150-$500 per funded loan on rate-drop refi campaigns, $300-$900 for cash-out refi, $200-$600 for first-time buyer campaigns. Credit trigger campaigns run $75-$250 per funded loan when timed to the 7-day window.

Can I run credit trigger campaigns through Smarterblast?

Yes with FCRA-compliant list sourcing. Credit trigger lists must be purchased from credit bureaus or approved resellers with firm-offer-of-credit criteria attached. We can recommend compliant data providers and launch campaigns within hours of trigger data delivery.

How does state-level LO routing work for press-1 transfers?

Campaign setup captures which states each of your LOs is NMLS-licensed in. Incoming press-1 transfers from Florida residents only route to FL-licensed LOs. Unrouteable transfers (no licensed LO for that state) are filtered before connecting.

What's the minimum list size for a mortgage voice broadcast?

We can run campaigns as small as 5,000 contacts. Below that, economics usually favor manual dialing. Sweet spot is 50,000-500,000 contacts per campaign.