textcuts

Mortgage loan officer text message templates you can send today

Borrowers do not read long emails, and they judge a loan officer by how quickly and clearly the texts come back. These twelve messages cover the whole loan: the first reply to an inquiry, the pre approval letter, the document list, the wait in underwriting, the note to a real estate agent, and the thank you after closing. None quotes a rate, a payment or a promise of approval, and all are for people who agreed to be texted. Copy any message, or add all twelve to your keyboard. They work in any app, including iMessage, WhatsApp, Instagram and LinkedIn. For one stage in depth, start with a page below.

Add these 12 templates to your keyboard Add the 6 essentials

Works in WhatsApp, iMessage, Instagram, Messenger and every other app.

Words in {{double braces}} are blanks. In the textcuts keyboard you fill them with one tap, and the names you used recently come back.

Before the application

First reply to an inquiry

Essential
Hello {{name}}, thanks for asking about a home loan. I'm a licensed loan officer, and my NMLS number is in my email signature. Would a short call help to see where you stand? Reply STOP and I'll stop texting.

When to send: Within an hour of an inquiry from someone who asked to hear from you.

Why it works: It says who you are, offers a small step, and includes the exit.

Letter is on its way

Essential
{{name}}, your pre approval letter has been sent to your email. It's based on the documents you gave me and is not a final loan approval. Send me any question you have.

When to send: The day you issue a letter.

Why it works: It shares the good news and the limit at once.

Did it get buried

Hi {{name}}, did my last message get buried? A quick yes, not yet or no thanks is all I need.

When to send: Three days after silence.

Why it works: Three easy answers, no guilt.

Estimate in writing

Hi {{name}}, rates change often, so I won't quote one in a text. I can email a written estimate with the full terms. Should I send one?

When to send: When someone asks for a number.

Why it works: It protects you and gives them a better answer.

During the loan

Starting document list

Essential
{{name}}, to start your file I need recent pay stubs, two months of bank statements and a photo ID. Please upload them through the secure link in my email, not by text.

When to send: After taking the application.

Why it works: A short list and a safe place for it.

Documents received

Got everything, {{name}}. Thank you. I'll tell you by tomorrow if I need anything else.

When to send: When the files arrive.

Why it works: Quick thanks creates quick replies.

In underwriting

{{name}}, your loan is with underwriting now. It's normal to hear little for a couple of days. I'll write the moment I know something.

When to send: When the file goes to underwriting.

Why it works: It explains the quiet before it begins.

Ready to close

Essential
{{name}}, you are clear to close. Congratulations. Your closing disclosure is on its way, and you will have time to read it before you sign.

When to send: When the loan is cleared.

Why it works: The message every borrower is waiting for.

Working with agents

Hello to an agent

Hi {{name}}, I'm a loan officer and I'd be glad to help your buyers. Can I send you my contact card?

When to send: After meeting a real estate agent.

Why it works: Short, polite, and one clear ask.

Milestone promise

Essential
{{name}}, your buyer's loan is on track. I'll text you at each milestone so you're never guessing.

When to send: When a deal begins.

Why it works: Agents value reliability over charm.

After closing

Congratulations

Essential
Congratulations, {{name}}. It was a pleasure helping you get your home. My number stays the same for any question about your loan.

When to send: The day the loan funds.

Why it works: A warm line that keeps the door open.

One year later

Hi {{name}}, it's been a year since you closed. Want me to take a quick look at your loan and tell you honestly whether anything is worth changing?

When to send: On the closing anniversary.

Why it works: It asks permission and promises honesty.

When to send each message

WhenMessageNote
Within an hour of an inquiryFirst reply to an inquiryOnly to people who asked to hear from you.
Letter issuedLetter is on its waySame day.
Application takenStarting document listWith the secure link.
File in underwritingIn underwritingSame day.
Clear to closeReady to closeSame day.
One year laterOne year laterEvery year.

Do not say

  • Texting a number that never agreed to hear from you: a bought list, an old lead, or a number from a form that only promised email. Texts like that can break the TCPA.

    Instead: Text only people who gave you their number and agreed to texts, one by one by hand. Say "reply STOP and I'll stop texting" in a first message, and honor it.

    Source

  • A rate, an APR, a payment or a down payment amount in a text ("you could be at 5.9%", "about $1,800 a month").

    Instead: Offer to send a written estimate that shows the APR, the payment terms and the other costs together.

    Source

  • "Guaranteed approval", "you'll definitely qualify", "lowest rate in town" or "no credit check".

    Instead: Say what you will look at, and that the answer comes after you see their documents.

  • Fake urgency ("rates go up tonight", "only a few spots left") when it is not true.

    Instead: Give the real date and what it means, and nothing more.

  • Leaving out your NMLS ID where your state or company requires it.

    Instead: Keep your NMLS number in your email signature and first message, and ask your compliance team what your state needs.

  • Telling a buyer which neighborhoods or schools "fit" them, or anything about who would be "comfortable" somewhere.

    Instead: Talk about the loan and leave the area choice to the buyer and their agent.

    Source

Add these 12 templates to your keyboard Add the 6 essentials

Works in WhatsApp, iMessage, Instagram, Messenger and every other app.

Templates by situation

After closing

During the loan

Before the application

Working with agents

Frequently asked questions

Can I put a rate in a text to a borrower?

These templates never do. Once an ad or message states a payment amount, a down payment or a payment period, the Regulation Z advertising rule asks for more terms beside it, including the APR. A written estimate with full terms is safer. Ask your compliance team how your company handles texts.

Do these work on the free plan?

Yes. 12 of the 12 use a single blank, which fills in on the free plan.

Can I send these in WhatsApp, iMessage and Instagram?

Yes. textcuts is a keyboard on iPhone and Android, so the templates work in every app where you type, including iMessage, WhatsApp, Instagram and LinkedIn.

Can I send these to everyone on my list?

No. Send them one at a time, by hand, to people who gave you their number and agreed to be texted. Never to a bought list. Put a plain line in your first message, such as "reply STOP and I'll stop texting", and honor it. The FCC's rules on consent count replies such as stop, quit, cancel and unsubscribe as ending your permission. Your company's compliance team has the final word on texting borrowers.

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