A voicemail or answering service
- ✕Takes a name and number for Monday
- ✕Can't ask a single underwriting question
- ✕Treats the broker like a cold caller
- ✕Lets consumer asks reach your loan officers
- ✕Bills by the minute to write down a message
Book a Demo AI RECEPTIONIST · HARD MONEY & PRIVATE LENDING
The AI receptionist for hard money lenders that answers first & sheets the deal.
Loan scenarios, draw requests, payoff and term questions. Your AI receptionist for hard money lenders answers first, runs borrower intake, and books the call — captured inside The Mortgage Office, LendingWise, or your CRM.
- ✓Goal-driven AI agents — every lead qualified & booked
- ✓Security & trust built in — every caller verified, every action logged
- ✓270+ platforms, 70+ languages — Follow Up Boss, kvCORE & more
One demo line · every real estate workflow
(520) 464-4492
Try: “I want to see 12 Oak Street this weekend.”
- ✓looks it up
- ✓resolves it
- ✓logs it
No signup, no sales rep — just call it.
CHANNEL
WORKFLOWQualify a Buyer Lead
Qualify the buyer, understand the need, match available inventory, and deliver a sales-ready lead and complete briefing to the assigned agent.
1 / 6
↓ INBOUND
LIVE CALLHD
LumiTalk AI
Hi! Welcome to Cedar & Vine Realty. I’m Ethan, the team’s virtual assistant. I can help answer questions, recommend homes, and connect you with one of our agents. How can I help you today?
WORKFLOW STEPS
1
Buyer intent identified
In progress
2
Budget uncertainty reduced into a usable range
Queued
3
Property criteria made flexible where appropriate
Queued
4
Tour scheduled
Queued
5
Assigned agent briefed
Queued
RESOLVED
✓Workflow completed successfully
↓ INBOUND — customer reaches inBUYER QUALIFICATION AGENT · LIVE AVATAR
Qualify a Buyer Lead
Qualify the buyer, understand the need, match available inventory, and deliver a sales-ready lead and complete briefing to the assigned agent.
Buyer intent identifiedBuilds rapport while gathering qualification dataBudget uncertainty reducedUnderstands motivation, timeline, budget, financing, and decision-makersProperty criteria madeConverts vague answers into practical ranges and preferences
Works in
+270 more
+270 more98%
Resolution rate
24/7
Always available
70+
Languages
< 5 min
Avg. handle time
270+
Platform integrations
Keep your stack. Lumi works on top of it.
No rip-and-replace — Lumi layers onto your LOS, servicing & CRM. 270+ integrations.
TMThe Mortgage OfficeMAMortgage AutomatorLeLendingWiseLLLiquid LogicsBaBaselineLGLand GorillaBrBrytFCFund ControlFLFCI Lender ServicesEnEncompassCPCalyx PointLeLendingPadArAriveJuJungo
Salesforce
HubSpot
QuickBooksCalendlyZaZapierGBGoogle Business Profile
SalesforceHubSpotQuickBooksCalendlyZaZapierGBGoogle Business ProfileThe inquiry loop
Play back your voicemail. It’s the same five calls, deal after deal.
Each one is either money or a distraction — and the only way to know is a real intake conversation, run the moment the phone rings, not Monday morning.
- 01“I've got a flip under contract — can you fund it?”borrower
An accepted offer on a closing clock. Whoever sheets this deal first is probably the lender who funds it.
- 02“What are your rates and points?”rate call
A price-shopper or a serious file — one intake conversation tells you which, and voicemail tells you nothing.
- 03“I have a scenario for you.”broker
A broker testing your desk. Answer fast and take a clean intake, and their next five deals come to you first.
- 04“I need a payoff figure by Friday.”servicing
Routine servicing that reads as urgent to the borrower — and stains the relationship when it sits in a queue.
- 05“Do you lend on owner-occupied?”screen-out
A consumer ask you probably can't touch — the call your loan officers shouldn't be the ones screening out.
The borrower with the accepted offer is the whole business — and they’re also the one who won’t wait. A system should sheet that deal the minute it calls.
What is an AI receptionist for hard money lenders?
It builds the deal sheet on the first call — it doesn’t take a message about it.
An AI receptionist for hard money lenders answers every borrower and broker call the moment it comes in, then runs the lender’s intake: property type and address, purchase price, ARV, requested loan amount and LTV, exit strategy, timeline, and borrower track record. It screens requests against the lender’s box — owner-occupied, out-of-footprint, excluded deal types — books the term-sheet call with a loan officer, and writes the file into The Mortgage Office, LendingWise, Mortgage Automator, or the lender’s LOS. It answers 24/7 in 70+ languages, never quotes unapproved terms, and routes anything sensitive to a licensed human with the file attached. The LOS stays the book of record; Lumi is the intake desk that never sleeps.
The difference borrowers feel
An answering service takes a message. Lumi sheets the deal.
Lumi
- ✓Sheets the deal live: property, price, ARV, LTV, exit
- ✓Screens your lending box before anyone's hour is spent
- ✓Tags broker scenarios to the relationship
- ✓Books the term-sheet call on your LO's calendar
- ✓Writes the file into your LOS, 24/7, flat rate
A message slip on Monday is a term sheet someone else sent Saturday. A sheeted deal is one you can actually win — on speed, before pricing ever comes up.
The borrower call is just the front door
One agent for your whole front of house — intake to funded and beyond.
Answering first is where Lumi starts. It keeps going — brokers, servicing, follow-up, and the LOS you already run.
Voice, SMS, web chat, WhatsApp, email — the investor who calls from the job site and texts the address at dinner stays one file, not three messages.
Property, price, ARV, requested LTV, exit strategy, track record — your intake sheet completed conversationally on the first touch, every time.
Owner-occupied, out-of-footprint, deal types you don't touch — screened politely by your rules before they cost a loan officer an hour.
Published ranges, process, timelines, draw schedules — answered from what you've approved. Pricing conversations get booked, never improvised.
Stalled files chased for docs, warm brokers kept warm, past borrowers pinged when their next project is due — outbound on a cadence, not a memory.
The 10-day close, the repeat borrower, the fund partner — escalated to the right person immediately with the whole file attached.
70+ languages, around the clock — the Saturday investor and the evening broker both get a real conversation, not a callback promise.
The Mortgage Office, Mortgage Automator, LendingWise, Liquid Logics — files land where your operation already lives. 270+ tools in all.
The deal sheet, built at intake
The lender who sheets first wins the borrower. Lumi sheets on the call.
A borrower with an accepted offer is dialing a list, and the desk that turns the call into a real deal sheet is the one they talk terms with. Lumi captures the whole deal on the inbound — so you’re quoting while the other lenders are still asking for a callback number.
Deal sheet — captured at intake
- Property
- 412 Oak St · SFR · Austin, TXAddress, type, and market — pulled on the call
- ARV
- $385,000After-repair value the borrower is underwriting to
- Loan amount
- $248,000Purchase plus rehab draw the borrower is asking for
- LTV / LTC
- 70% ARV · 85% costWhere the ask lands against your box, computed live
- Exit / strategy
- Fix-and-flip · 6-mo holdRehab-and-sell, refi, or hold — the takeout
- Close timeline
- 14 days · hard deadlineThe clock the borrower is actually racing
On the underwriter’s desk before the borrower hangs up — sheeted, not messaged.
No rip-and-replace
Keep the stack you already run — Lumi works on top of it.
Your LOS, your servicing, your CRM — Lumi works inside them, not instead of them. Lumi works on top of the LOS and CRM stack private lenders actually run — The Mortgage Office, Mortgage Automator, LendingWise, and more. Files, notes, and follow-ups post straight into the systems your operation already trusts — 270+ tools in all.
TMThe Mortgage OfficeMAMortgage AutomatorLeLendingWiseLLLiquid LogicsBaBaselineLGLand GorillaFLFCI Lender ServicesSalesforceHubSpotQuickBooks
SalesforceHubSpotQuickBooksSwitched on from day one
The five plays every lending shop runs — prewired.
Live against your intake sheet, your lending box, and your LOS from the first call. Tighten the questions, adjust the screens, or stack plays of your own on top.
INBorrower Intake & Deal SheetVoice · LOS
INLending-Box ScreeningYour rules · CRM
INBroker Scenario DeskVoice · Email
INPayoff & Draw TriageServicing · SMS
OUTStalled-File & Broker Follow-UpSMS · Email
+ Build a play for your next fundYour book, your math
What are missed borrower calls costing you?
Three sliders. No email gate. This is the origination revenue leaking out of inquiries that hit voicemail.
Origination revenue leaking out of missed calls
$13,440/month
$161,280 a year — roughly 13.4 funded loans going to whoever answered first, at a conservative 4% of missed inquiries that would have funded.
And that’s your number, not ours — slide it to your own volume, miss rate, and per-loan economics.
Built for a regulated, audited business
Hard boundaries for a business that runs on trust and audit trails.
An agent with reach into your intake and your LOS needs walls, not vibes. These four are non-negotiable and set before the first borrower call.
Rates, points, and structures come from your team. Lumi shares only what you've published or scripted, and books the pricing conversation instead of improvising one. No invented terms, ever.
Every borrower gets the same intake, and qualification is property- and deal-based — never protected characteristics. Compliance-sensitive questions route to your licensed team with the file attached.
Lumi writes into The Mortgage Office, LendingWise, or Mortgage Automator — it doesn't become a shadow system. Deal sheets, notes, and follow-ups land where your operation already lives.
Each call, text, and chat is logged and reviewable — what was asked, what was said, what was screened out and why. When a regulator or a fund partner asks, the trail is there.
Case file · private bridge lender, ~$40M/yr
One desk. One quarter. The race stopped being lost at hello.
~80 inquiries/month · The Mortgage Office + broker network · before: weekend voicemail, deals signed elsewhere by Monday
Secondsto first answer on borrower calls
nights and weekends included — the race starts at hello
100%of inquiries fully deal-sheeted
ARV, LTV, exit, experience — no more quoting off a voicemail
−70%unqualified calls reaching loan officers
consumer and out-of-box asks screened at the door
+2loans funded per quarter, same lead flow
won on speed-to-quote, not on pricing
“We fund maybe one in ten calls, but we used to lose the good ones to whoever answered on Saturday. Now every borrower gets sheeted the minute they call — ARV, LTV, exit, all of it — and my loan officers walk into Monday with term-sheet calls already booked. The consumer and out-of-state stuff never even reaches them. It's like adding an intake desk that never sleeps, without adding a salary.”
Illustrative composite from typical first-quarter results — names and figures are illustrative until our first public lending case study lands.
Objections, welcome
What lenders ask before they put Lumi on the phones.
Which lending systems does LumiTalk work with?
It works on top of the LOS and servicing stack private lenders actually run — The Mortgage Office, Mortgage Automator, LendingWise, Liquid Logics, Baseline, and Land Gorilla among them, plus CRMs like Salesforce and HubSpot. It creates the borrower record, attaches the deal sheet, and sets the follow-up. Your LOS stays the system of record; Lumi is the worker keeping it current. Running something else? Ask — the list keeps growing.
Can it actually qualify a deal, or just take a message?
It runs your intake sheet in a natural conversation: property type and address, purchase price, ARV, requested loan amount and LTV, exit strategy, timeline, and the borrower's track record. Vague answers get narrowed into usable ranges, and the file that reaches your loan officer is quote-ready. What it never does is quote terms you haven't approved — pricing stays with your team unless you script it.
Does it quote rates and points?
Only what you tell it to. Most lenders have Lumi share published ranges or say the loan officer will price the deal, then book that conversation immediately. It will never invent a rate, promise terms, or commit you to anything — the boundaries are yours to set, and everything it says is auditable.
We only lend on investment property. Can it screen out consumer requests?
Yes — that's built into the intake. Owner-occupied and consumer-purpose requests are identified early, declined politely by your rules, and never reach a loan officer's queue. Same for states you don't lend in or deal types you don't touch. Your team only sees files that fit the box.
Is it compliant for a lending business?
Lumi asks the same intake questions of every borrower and never screens on protected characteristics — qualification is property- and deal-based, by design. It doesn't give lending, legal, or investment advice; anything sensitive routes to your licensed team with context. Every conversation is logged and auditable, and the autonomy boundaries are yours to set.
What about brokers and repeat borrowers?
Brokers get the same fast intake for scenario calls, tagged to their file so your team sees the relationship. Repeat borrowers are recognized, their history is attached, and their new deal goes straight to the loan officer who knows them — no repeating their track record to a stranger.
Can it handle payoff requests, draws, and servicing calls?
Routine servicing traffic — payoff requests, draw status, payment questions — is answered from your records where you allow it, or captured and routed to your servicing team with the loan details attached. Either way the borrower gets an answer instead of a voicemail, and your team gets a clean queue.
How fast can we go live?
Days, not months. You give us your intake sheet, your lending box (states, deal types, LTV caps), and your LOS; Lumi starts answering with the five plays most lending shops run — borrower intake, broker scenarios, servicing triage, follow-up on stalled files, and after-hours coverage. Tune the questions and routing as you go.
How much does it cost for a lending shop?
Flat monthly pricing, sized to your call volume and the channels you switch on — not per-minute metering that punishes a busy funding month. A two-person shop and a regional lender are scoped differently, so the honest answer depends on your setup. Book a demo, tell us your volume and LOS, and we'll put a number in front of you.
Guides & comparisons
Read before you switch it on.
Speed to LeadSpeed to Lead for Private Lenders: Measure the Whole First Response11 min read IntakeHow to Qualify Hard Money Borrowers: A Staged First-Call Intake Checklist11 min read IntakeAI for Hard Money Lending: Intake Automation Without Automating the Credit Decision11 min read ComparisonsBest Answering Service for Hard Money Lenders: A Proof-Based Evaluation11 min read Speed to LeadHow to Get Hard Money Leads: Build Channels, Attribution, and Intake Together11 min read IntakeQuestions Borrowers Ask Hard Money Lenders—and How Intake Should Answer11 min read
Give her the Saturday borrower you keep losing.
Pitch her a flip. Push for a rate. Watch her build the sheet and hold the line.
Call the demo line like an investor with a deal — pitch a flip, push for a rate, watch her build the sheet and hold the line on pricing. Then bring your call volume and your LOS to a walkthrough and see what first-to-answer is worth.
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