Mortgage — Purchase Lead Qualification
Inbound purchase lead. Captures licensing state, LOA status, and income type before LO callback.
When this runs
classifies this work type when the caller says things like:
How the call goes
4 surface rules tied to missing field definitions. Urgent first.
Ask what state the property is in — we need a licensed LO in that state.
urgentField: State of the property (licensing)
Ask if they've already signed an LOA with another lender — compliance-sensitive.
urgentField: Existing Letter of Authorization with another lender
Ask whether income is W2 or self-employed — drives doc package.
importantField: Employment type (W2 / self-employed)
Ask their best estimate of credit score — drives product set; we pull formally with consent later.
importantField: Estimated credit score range
Extracted without a dedicated prompt
extracts these from the transcript in real time. If the caller does not mention them naturally, staff can confirm them during wrap-up.
Guardrail signals
If staff says anything matching one of these examples, an urgent warning surface is created.
Quote a specific rate without locking.
Guarantee loan approval before underwriting.
Pull credit without explicit verbal consent on a recorded line.
When the call ends
Before staff can end the call, walks them through a wrap-up checklist, then prepares the captured fields for the work record.
Wrap-up checklist
- Confirm callback number
- Set application link expectation
- Schedule loan officer callback
Then creates a service request with:
- Caller name
- Callback number
- Purchase or refinance
- Target purchase price
- Available down payment
- Purchase timeline
- State of the property (licensing)
- Employment type (W2 / self-employed)
- Household income range
- Estimated credit score range
- Veteran status (VA eligibility)
- Existing Letter of Authorization with another lender
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