First hello
Hi {{name}}, it was good to meet you at the broker open. I'm a loan officer, and I'd be glad to help your buyers when it's useful. Can I send you my contact card? Tell me if you'd rather I use email than text.
Loan officer texts to realtors: 13 update templates
A good real estate agent sends you buyers, and the agent stays loyal to the loan officer who keeps them informed. Most agents do not need a long email. They need to know where the file is and what you need from them. These messages cover the first hello, the milestones of a deal, the awkward delay, and the thank you after closing. Share a borrower's details only with the borrower's permission. Copy any message, or add all 13 to your keyboard. They work in any app, including iMessage, WhatsApp, LinkedIn and Instagram.
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.
Meeting a new partner
Regular call
Hi {{name}}, would a short call every other week to compare notes on your active buyers help? Fifteen minutes, whenever works for you.
Monthly check in
Hi {{name}}, anything on your list this month that I can help with? Even a buyer who's just starting to think about it is welcome.
During a deal
Contract received
Thanks for sending the contract, {{name}}. I'm opening the file today, and I'll update you at each step so you never have to ask.
Pre approval letter ready
{{name}}, the pre approval letter for your buyer is ready. With their permission, I've sent it to your email. Call me if the seller's side has questions.
Appraisal ordered
{{name}}, the appraisal has been ordered for {{address}}. I'll text you the date as soon as the appraiser confirms access.
Appraisal is back
{{name}}, the appraisal for your buyer is back. I'll go through it with your client first, and then I'll call you.
What I need from you
Hi {{name}}, could you send the signed addendum and the title company's contact? It's the last thing I'm waiting on for your buyer's file.
Heads up on a delay
{{name}}, a heads up so there are no surprises: we're waiting on one item from underwriting. I'll tell you as soon as I hear, and I'll say right away if it affects the closing date.
Clear to close
Good news, {{name}}: your buyer is clear to close. I'll confirm the closing time with the title company today. Thank you for your help.
After closing
Closing tomorrow
Closing is tomorrow, {{name}}. Your buyer has what they need, and so does the title company. Tell me if anything changes on your side.
Thank you
Thank you for trusting me with your buyer, {{name}}. It was a pleasure working with you. Send me the next one whenever you have it.
Buyer not ready
Hi {{name}}, your buyer might want to wait on getting a pre approval, and that's fine. When they're ready, I'll move quickly and keep you in the loop.
When to send each message
| When | Message | Note |
|---|---|---|
| After you meet | First hello | Within a day. |
| Contract arrives | Contract received | Same day. |
| Appraisal ordered | Appraisal ordered | Same day. |
| A delay appears | Heads up on a delay | Immediately. |
| Clear to close | Clear to close | Same day. |
| After closing | Thank you | The next day. |
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.
Telling an agent a borrower's income, debts or credit details without the borrower's permission.
Instead: Share only the status, such as the loan type and the next step, and only what the borrower agreed to.
Offering an agent money, gifts or a trade of leads for sending you buyers.
Instead: Earn the referrals by being quick and clear. Ask your compliance team before any arrangement that involves value.
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.
"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.
Works in WhatsApp, iMessage, Instagram, Messenger and every other app.
Frequently asked questions
What can I tell a real estate agent about my borrower?
Share milestones and what you need from them, and share the loan details only with the borrower's permission. If you are not sure, ask the borrower first or ask your compliance team.
Do these work on the free plan?
Yes. 12 of the 13 use a single blank, which fills in on the free plan. The one with two blanks ("Appraisal ordered") needs Pro to fill both from the keyboard.
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, LinkedIn and Instagram.
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.