Rethink Everything About Using AI to Improve Productivity & Closing More Loans
AI won’t take your job, but a Loan Officer who uses AI to show up smarter, faster, and more consistent might. We’ve gathered some of smartest people using AI in the mortgage industry to help Loan Officers cut through the noise and learn how to apply AI in practical, real-world ways to promote your business, streamline your processes, serve more clients, and future-proof your careers.
How to Train ChatGPT to Sound Like You
Katie Shive, Owner, KS Marketing
AI Won’t Replace Loan Officers, But Loan Officers Who Use AI Will Win
Michael Gammond, President & Founder, NexLevel Advisors
Here’s to your Unfair Advantage
Suha Zehl, Founder and CxO, Z Technology Solutions
Your Next Client May Not Be Googling You, They’re Asking AI/a>
Katie Shive, Owner, KS Marketing
ChatGPT only Provides a Couple of Answers, and You’re Not It.
Steven Cooley, CEO of Prlmnt.ai and Founder of Mortgage Advisor Tools
AI That Thinks Like a First-Time Buyer – How Loan Officers Can Use FirstHome IQ’s Custom GPT to Create Trust-Building Content Fast
Katie Shive for FirstHome IQ
People will Always do Business with People They Know, Like, and Trust: Using AI to Build Relationships
Melissa Langdale, Founder and CEO, Praxis Lending Solutions
Stop Watching the AI Wave — Start Riding It: 3 Ways to Harness AI in the Next 30 Days
Ginger Bell, Founder of AI Beehive
View all previous articles
How to Train ChatGPT to Sound Like You & Why It Matter More Than Ever
Katie Shive, Owner, KS Marketing
Most Loan Officers use AI to save time. The smart ones are using it to sound more like themselves.
Quick Take: If your AI-generated content sounds robotic, it’s not helping your brand. The key is to train AI to sound like you, so you can work faster without losing trust, clarity, or connection.
Why Does It Matter If AI Sounds Like You?
AI can write emails, social posts, scripts, and video captions in seconds. But if it does not sound like you, it may damage your credibility.
Today’s clients want clear, human communication. As a Loan Officer, your voice is one of your most valuable tools. If your content feels generic or overly polished, clients are more likely to ignore it.
What Does It Mean to Train AI on Your Voice?
Training AI does not require any technical skills. It means showing the tool how you naturally communicate and guiding it to match that tone in its outputs.
You can train AI by:
- Sharing real examples of how you write or speak
- Writing detailed, audience-specific prompts
- Refining outputs until they match your tone
How Can Loan Officers Train AI to Match Their Style?
Start with a Voice Sample That Sounds Like You
Start with a client email or social post that sounds like your best self. You can also write a short paragraph that explains something common, such as mortgage rates or pre-approvals, in your own words.
Use a Prompt That Includes Context, Audience, and Tone
Try something like this:
“Write this as if I am speaking to a first-time buyer. Make it friendly, clear, and personal. Here is how I usually sound: [insert your voice sample].”
This tells the AI what to do and gives it the tone to follow.
Refine the Output Until It Feels Right
If the first draft feels off, revise it. Then feed those edits back into the next prompt. The more you do this, the better the AI becomes at mirroring your voice.
What Are the Benefits of Voice-Trained AI for Loan Officers?
- Your content sounds human and builds trust
- You save time without sounding like everyone else
- Your brand becomes more consistent across emails, posts, and replies
Here is a quick example. Imagine responding to a rate shopper using AI. If it sounds like a call center script, you have lost them. But if it mirrors your tone—warm, confident, and clear—you just saved five minutes and made a strong impression.
What’s the Takeaway?
AI can help you do more in less time, but your voice is what makes your message stick. When you teach your tools to reflect how you speak and connect, you stay both efficient and authentic.
Want a ready-to-use prompt that helps AI sound more like you?
Message me on LinkedIn and I will send you the same template I use with top-producing Loan Officers.
AI Won’t Replace Loan Officers, But Loan Officers Who Use AI Will Win
Michael Hammond, President & Founder, NexLevel Advisors
Let’s cut to it: AI isn’t the threat. Inaction is.
In today’s market, every Loan Officer I talk to is fighting to close more loans. Volume is down. Website traffic is down 25%. Meanwhile, generative AI tools are becoming the new default for how consumers search, compare, and choose their mortgage professionals.
So, let me say it plainly: AI won’t take your job, but a Loan Officer who uses AI to show up smarter, faster, and more consistent might.
Why This Moment Matters
We’re not waiting for AI to “arrive.” It’s here. Right now.
And while some are still wondering if it’s hype, others are building a future-proof business around it.
I’ve spent the last year working with top-performing Loan Officers, helping them cut through the noise and apply AI in real, revenue-driving ways. Here’s what’s working and what you can do right now:
1. Reclaim Your Time: Automate the Busywork
AI tools like ChatGPT, Jasper, Perplexity, Claude and even custom GPTs you can build yourself, are game-changers for daily grind tasks:
- Email follow-ups
- Loan scenario explanations
- Weekly rate commentary
- Birthday and loan anniversary messages
Start here:
List the 5 emails you send most often. Use AI to create templates. Tweak once, reuse forever. That’s hours back every week.
2. Build Trust at Scale: Content = Visibility = Leads
Borrowers are overwhelmed. Realtors are skeptical. The LO who shows up consistently with value-based, local insights wins. Now more than ever, it is critical to show up at “point of thought” vs “point of sale”.
AI can help you generate a month’s worth of:
- LinkedIn posts/ social posts
- Blog content- GEO optimized
- Short video scripts
- SEO-friendly FAQs (for GEO – Generative Engine Optimization)
Example: Ask ChatGPT, “Write a Facebook post explaining FHA vs. Conventional loans for a first-time buyer in Denver.” Post it. Repeat weekly.
This is how you stop being invisible and start being indispensable. Long form enhances AI search results.
3. Relationship Follow-Up That Never Sleeps
Your past clients and agent partners are gold—but if you’re relying on sticky notes to stay in touch, you’re losing business.
Use AI-powered CRM tools and reminders to:
- Send loan anniversaries and birthday messages
- Follow up when rates drop
- Share helpful homeownership tips automatically
- Send pre-written check-in texts on Sundays
The key? Consistency without burnout.
4. Create Your Own GPT
Yes, really. You can build a private, branded GPT trained on your voice, FAQs, rate sheets, and process. It can:
- Answer common borrower questions 24/7
- Help realtors understand loan scenarios
- Draft personalized replies to inbound leads
Record your calls in accordance with all compliance requirements, but use the recordings to improve your GPT knowledge base. You’ll be surprised at how much you can delegate, without sacrificing your personal touch.
Final Thought: AI Is the Assistant, You’re the Advisor
AI can write, summarize, and even mimic tone—but only you can build trust, close deals, and guide people through life-changing decisions.
AI doesn’t replace humanity. It enhances it. It gives you space to think more clearly, connect more deeply, and perform more consistently.
Ready to Lead?
- Embrace GEO to show up in AI-powered searches
- Build a content system with AI support
- Use automation to stay top of mind
- Explore your own GPT assistant
- Get an AI Readiness Assessment before Q4 hits
The future isn’t waiting. It’s already routing clients to those showing up with clarity and consistency.
Let’s rethink everything… together.
Here’s to your Unfair Advantage
Suha Zehl, Founder and CxO, Z Technology Solutions
According to a 2025 Salesforce State of Sales report, top performers in sales use AI daily. And the sales professionals who fell short of their target the most? Those who reported using AI only weekly.
So, if you are already using AI in your daily work, you are ahead of the curve. You’ve chosen to embrace the unknown, to experiment, to learn, and that decision alone has created momentum.
For mortgage loan officers, the hardest part is not mastering every tool or knowing every use case. The hardest part is taking the first step.
Yes, there is fear. Fear of getting it wrong, of wasting time, of not keeping up. But know what the flipside is? Those who hesitate will fall behind while the others surge forward.
AI is not here to replace the human connection that defines your business. AI is here to amplify your results, to give you more time to focus on what matters most: building trust, nurturing relationships, and closing more loans.
The loan officers who lean in now will build a compounding advantage. The ones who wait will spend years trying to catch up.
Top performers win because they work the right list first. AI makes that possible by handling the sorting, scoring, and first-draft scripting, so you spend more time on conversations that convert. You do not need a perfect AI product stack to start. Run this play with either a simple export or with connectors that automate the same steps inside your CRM or LOS.
The Play: Lead triage and a daily call plan
Goal: prioritize outreach with short talk tracks that lift contact and conversion.
- Manual path: quick to launch; great for novice AI users. Use a spreadsheet export and a one-page scoring table.
- Connector path: hands-off once configured; better for more advanced AI users. Use native automations or an integration tool to compute scores, create tasks, and deliver a morning digest.
1. Define simple rules
Manual path: list weights for recency, source quality, stage, and engagement in a one-page table.
Connector path: configure an automation to compute a priority score and tag Hot, Warm, Nurture.
2. Gather and score
Manual path: export new or updated leads from the last 24 to 72 hours, score using the defined simple rules.
Connector path: trigger on lead created or updated, write score and bucket back to the record.
3. Script and call
Manual path: have AI draft a 60-second script per contact, then call in score order and log dispositions.
Connector path: auto-create tasks sorted by score, include the script and a templated follow up.
4. Measure and tune
Manual path: track speed to lead, contact rate, appointments, apps started, adjust weights weekly.
Connector path: dashboard the same metrics, raise weights for sources that convert.
Sample AI prompt with persona and voice
Persona: seasoned local mortgage advisor who is clear, calm, and consultative.
Voice: concise, warm, trustworthy, eighth-grade reading level, jargon kept to a minimum.
Prompt: “Use source, stage, last activity, and one borrower detail to draft a 60 second call script. Include a friendly opener, one value line tied to the source, one clear ask, and a next step. Keep it concise and confident. End with a permission-based close.”
Guardrails and rules of engagement
- Minimize the data shared with AI, include only what is necessary for context. Never share SSN, full DOB, full account numbers, credit reports, or documents with sensitive images.
- Honor consent and opt-outs for SMS and email, respect DNC lists, and send during compliant hours for the borrower’s time zone.
- Keep licensing, disclosures, and company signatures consistent on every message.
- Review AI outputs before sending to ensure fairness, accuracy, and product suitability.
- Log prompts and outputs to the record for audit, store who approved and when.
- Limit retention of AI work files and remove temporary data after use.
The MLOs who put this into practice today will see their pipelines grow more predictable, their days less chaotic, and their conversations more productive. The ones who hesitate will find themselves playing catch-up in a market that rewards speed and precision.
Start now. Let AI give you a ranked call list and a short script for each prospect. Focus your energy on connecting, advising, and converting. Run this play every day for two weeks and watch the compounding effect: more quality conversations, more applications, and momentum you can build a career on.
Your Next Client May Not Be Googling You, They’re Asking AI
Katie Shive, Owner, KS Marketing
If you think every client is starting their search on Google, think again. More buyers are turning to AI tools like ChatGPT and Perplexity to ask their questions before they ever land on a website.
“Should I buy now or wait?”
“What’s the best way to get a mortgage in Phoenix?”
“How much do I need for a down payment?”
And here’s the kicker: if AI does not know about you, your content, or your expertise, you are invisible in that conversation.
That is where Generative Engine Optimization (GEO) comes in.
What is GEO?
We all know SEO (search engine optimization), which is optimizing content to rank in Google. GEO is the new version of that for AI. Instead of trying to appear on page one of search results, you are creating content that AI assistants can understand, trust, and recommend when someone asks a question.
Think of it this way:
- SEO talks to Google’s crawlers.
- GEO talks to AI models that answer questions like a human.
Why This Matters to Loan Officers
Your business depends on trust and visibility. If buyers are asking AI for guidance, you need to be part of the answer. Otherwise, AI may recommend a competitor whose content is clearer, fresher, or cited more often.
This is not about chasing algorithms. It is about showing up where your clients are searching now.
How to Get Started with GEO (This Week)
Here are two simple ways you can start showing up in AI-friendly places:
- Answer a Real Buyer Question Publicly
Take one of the FAQs you hear every week, like “How much do I really need to buy a home?” and post a clear, 300–500 word answer as a LinkedIn article. Make it conversational, not jargon-filled. AI tools love content that is structured like a direct answer. - Post in Google Business Profile Q&A
Most LOs ignore this section, but it is public, quick to update, and a place AI looks. Posting short, helpful answers here strengthens your digital footprint in a way both Google and AI can see.
If you want a simple way to put this into action, I created a GEO QuickStart Playbook. It gives you seven days of prompts and step-by-step instructions so you can start building your visibility this week. You can also run a quick self-audit inside ChatGPT or Perplexity to see where (or if) you are showing up today. [Download guide].
The Bottom Line
Your next client may still be using Google, but more are asking AI first. GEO is how you make sure the answer they get includes you.
Start simple: answer one question, post it where AI can see it, and build from there. Small steps now can future-proof your visibility for years to come.
ChatGPT only Provides a Couple of Answers, and You’re Not It.
Steven Cooley, CEO of Prlmnt.ai and Founder of Mortgage Advisor Tools
“ChatGPT, who should I use to help me with my mortgage?” ChatGPT, where can I get the lowest mortgage rate in my city?” ChatGPT, what is an FHA loan?” You get the idea. 50% of searches are now zero-click responses: goodbye search listings and the front page of Google. You are either in the answers, or you are not. If you are not in the answer, you do not exist. So…are you?
Large Language Models, like ChatGPT, are built to be conversational. If I came to your hometown and told you I was hungry, you might reply, “What are you in the mood for?” If I said your steak, you would then tell me two or three steakhouses you like. You wouldn’t give me a list of websites to visit or reviews to read. You would say Steakhouse A and Steakhouse B. Word of Mouth Advertising has a 90% conversion rate. Which is precisely why you close Realtor referrals so well. So, I’m going to Steakhouse A, because you recommended it to me. Here is the thing: there could be 100 steakhouses in your area, but as far as I’m concerned, there are only two. This is what ChatGPT is doing to the mortgage industry.
So, what do you do? Individual brands may struggle the most – you are up against a lot of competition to grab the attention of Large Language Models. This is a game of authority – here’s how to play.
- Collect Reviews. Reviews have never been more important. The more positive reviews you have, the more authoritative you appear.
- Diversify your web presence. Every free profile listing, in every nook and cranny of the internet, that will let you publish your landing page – get on it. Take the time to fill out each profile uniquely (Do not copy and paste the same stuff on every profile) and include the URL where people can contact you.
- A Lender with Online Authority. Ensure you are working with a lender that has an established online presence. Award-winning, long-standing domain that is actively marketing on your behalf. Their marketing/SEO strategy has always affected yours, but this time it isn’t just where you fall on the list. If you and your lender aren’t identified as an authority, you don’t exist at all.
The buying public is looking for zero-click search results. I don’t think SEO is dead, but it is undergoing rapid changes. People want the answer now. They trust ChatGPT. They believe it has done the research for them. Therefore, it is being used to make serious decisions. Being the best, Google-front-page-listed loan officer in your region may not be enough. Those who adapt will see a market share windfall like never before. Get to work.
AI That Thinks Like a First-Time Buyer
Katie Shive for FirstHome IQ
How Loan Officers Can Use FirstHome IQ’s Custom GPT to Create Trust-Building Content Fast
Quick Take: Nextgen buyers trust AI more than mortgage pros, and that’s a wake-up call. FirstHome IQ built a custom GPT trained to think like a Gen Z or millennial buyer so Loan Officers can create content that actually connects. Here’s why it matters and how to start using it today.
Trust is dropping, but content can win it back
Our industry has a trust problem.
According to the latest NextGen Homebuyer Report, only 20% of Gen Z and Millennial buyers trust Loan Officers to help them make smart mortgage decisions.
But these same buyers are hungry for homeownership education. They’re just getting it elsewhere.
Nearly 66% of NextGen buyers turn to YouTube, 40% rely on social media, and over two-thirds use ChatGPT or other AI tools to research the homebuying process. In short, if you’re not showing up where they are, someone (or something) else is.
Why we built the “NextGen Buyer Persona GPT”
To help LOs close this trust gap, FirstHome IQ created a custom AI tool trained on real data from the next generation of homebuyers. It’s designed to help you brainstorm, write, and scale content that actually sounds like your audience.
Think of it as your creative collaborator, pre-loaded with the language, preferences, and pain points of Gen Z and Millennial buyers. It helps you:
- Write social captions that don’t sound like a sales pitch
- Create short-form video scripts that feel authentic
- Turn your expertise into content your audience will actually share
AI isn’t the enemy of relationship lending. It’s the multiplier.
You don’t need to become a tech expert. You just need the right tools.
This GPT was built specifically for mortgage pros who want to educate first-time buyers but don’t have hours to write content from scratch or decode Gen Z slang. It’s a shortcut to sounding like the trusted educator your future clients already wish they had.
Ready to try it?
We’re giving away the GPT for free, along with a usage guide that shows exactly how to get started (even if you’ve never used AI before).
Access the NextGen Buyer Persona GPT + Free Guide 👉 [HERE]
To learn more about FirstHome IQ, and our NextGen resources, visit firsthomeiq.com/ambassador
People will Always do Business with People They Know, Like, and Trust: Using AI to Build Relationships
Melissa Langdale, founder and CEO, Praxis Lending Solutions
You’ve heard this phrase probably a million times in your career. I’m here to tell you that it’s just as true now as it was when you first started as an LO.
When you pull AI into our world though, it’s hard to know what areas of your business you should be automating because you don’t want to take away from everything you’ve been able to build thus far. So, here are a few of my practical ways to leverage AI to help people to know you and like you, so that you can keep YOUR activities focused on helping people to trust you.
1. Practice Makes Perfect
You can use your favorite AI platform to help you to write scripts for everything from cold calling new referral partners to taking an existing relationship to the next level. Once your script is written, you can use vocal AI to practice!
Use this simple prompt to help: “I’d like you to pretend with me while I ask you a series of questions. I’d like you to pretend that you are a real estate agent based in the (insert your market here) market who averages (insert #) sales per year with most of the homes you sell falling around $(insert price point). While we pretend, I’m going to be a Loan Officer working to earn your business. I’d like you to ask me questions and challenge me to meet the specific needs of your business and your buyers. Are you ready?”
2. AI Agent Research
AI agents are getting a lot of buzz right now, but you don’t have to purchase huge platforms or wait on your company to adopt this into their workflow to gain some real traction building an AI agent of your own.
If you purchase the base level of most AI platforms, you can put the platform into “Agent” mode and have it conduct ongoing research for you in a number of very practical ways. You can set it to research your local housing market, the mortgage market, news trends, top referral partners’ activities, or monitor your online reputation.
You simply need to build a prompt based on what you need it to do for you and ask it to deliver a summary of its findings to you each morning/week/month based on your needs. Remember that this type of AI may need some training. So, think of it as if you were giving a new assistant a task. Don’t hesitate to give it feedback and challenge it to improve what it’s delivering to you along the way.
3. Strengthen Your Digital Presence
You know people form first impressions online before they ever speak to you. AI can help you quickly brainstorm new ideas and draft content for posts and videos that showcase your expertise—like homebuyer tips, short explainers, or updates on loan programs. You’ll still need to work with your marketing and compliance teams for approval, but this will save you a ton of time and allow you to easily stay visible while positioning yourself to build trust with your network.
The Trust Factor
By letting AI handle routine tasks that help people to know you and like you, you create more time to build relationships and trust with your prospects, customers, and referral partners.
If you’re just beginning with AI, start with one small step. Try something small like leveraging AI to practice your sales skills this week. You’ll see quickly how AI can help more people know you, like you, and ultimately trust you with one of the most important decisions of their lives.
Stop Watching the AI Wave — Start Riding It: 3 Ways to Harness AI in the Next 30 Days
Ginger Bell, Founder of AI Beehive
Let’s be honest: AI isn’t the future of the mortgage industry. It’s the present—and it’s moving fast.
You can either watch the wave… or ride it.
The good news? You don’t need to be tech-savvy. You just need to be open and intentional. AI isn’t about replacing people—it’s about empowering them to do more of what they’re best at.
So if you’ve been on the fence, wondering where to begin, here’s your 30-day jumpstart plan. Three bold, simple steps to start using AI in your mortgage business right now.
1. Automate Your Follow-Up – Days 1 to 3
You already know that fortune is in the follow-up. But let’s face it—most loan officers don’t follow up enough. You get busy, leads fall through the cracks, and opportunities vanish.
Use an AI platform like Maisy365 to automate voice and SMS follow-ups for pre-approvals, refis, and even abandoned applications.
Set it once, and let AI do the heavy lifting. It responds in real-time, speaks multiple languages, and keeps the conversation going—24/7.
Pro Tip: Test it with your next 10 cold leads and track the response rate. You’ll likely see a noticeable bump in engagement within a few days.
2. Create a Week of Content in One Sitting – Days 4 to 10
Stop overthinking your marketing. You don’t need to be a copywriter or hire an agency. You need ChatGPT.
Prompt: “Act like a mortgage loan officer. Write 3 social media posts, 1 email, and 1 short video script about how pre-approvals help buyers stand out in a competitive market.”
You’ll have a week’s worth of content in minutes. Then plug that content into tools like Invideo or Vidyo.ai to turn it into branded video clips ready for platforms like Instagram, TikTok, or YouTube Shorts.
Pro Tip: Batch your content in one 90-minute session every Monday. It’s a game-changer for visibility and consistency.
3. Get Smart with Your Time – Days 11 to 30
You’re not paid to sit in meetings or sift through notes. Your value is in advising clients, building trust, and closing loans.
Use AI tools like Otter or Coconote to transcribe and summarize your Zoom calls, in-person meetings, or even voice memos. It’s like having a full-time assistant organizing your thoughts, tasks, and follow-ups.
Pro Tip: After each client call, drop the transcript into ChatGPT and ask it to write a personalized follow-up email or action plan. It saves time and makes you look like a pro.
Final Thought: The Time Is Now
This isn’t about keeping up with technology. This is about owning your edge.
AI isn’t going to slow down. But if you lean in—even just a little—you’ll get ahead of the curve while others are still trying to figure out where to start.
Explore the top-rated, handpicked tools built for mortgage and real estate pros at https://www.AIBeehive.com. No fluff. Just practical solutions that help you do more, grow faster, and lead smarter.
Three steps. Thirty days. One powerful shift.
Now’s the time.