AI that texts your leads in under 60 seconds — and sounds exactly like you.
Capto is the SMS-first mortgage CRM built for loan officers. New lead lands, AI replies instantly in your voice, qualifies the borrower, and sends the right booking link — so the lead chooses a time and you close before competitors even open their inbox.
Sarah Johnson
New lead · Zillow
Today, 2:14 PM
Live in under 10 minutes
No implementation calls, no consultants, no 90-day onboarding.
Connect your number
Plug in a Twilio number (or get one in 2 minutes). 10DLC-registered for full TCPA compliance.
Train the AI on your voice
Paste a few past conversations. Capto learns your tone, your phrases, even your emojis.
Leads get instant replies
New lead lands? Capto texts within seconds, qualifies them, and sends your booking link so the borrower picks the time.
One text. Four things your CRM can't do.
Every AI reply picks up context, matches your voice, qualifies the borrower, and guides them to book themselves.
Hey Sarah! Alex here 👋 Absolutely — refi is my bread and butter.
What rate are you on now and how long have you been in the home?
Here's my booking link — pick the time that works for you.
Uses their name
"Hey Sarah"
Signs as you
"Alex here 👋"
Qualifies the lead
"What rate are you on now and how long have you been in the home?"
Sends booking link
"Here's my booking link — pick the time that works for you."
What makes Capto
different
Not another email CRM with SMS bolted on. Capto is SMS-first, AI-native, and built exclusively for mortgage lead generation.
AI That Texts As You
Not generic auto-replies. Capto's AI writes conversational SMS that sounds like you personally typed it. Leads never know it's AI.
Total pipeline value
Visual Pipeline Tracking
Track every deal from lead to close. Drag-and-drop stages, set reminders, and never let a deal slip.
AI Assistant Active
Responding to 23 leads
Speed-to-Lead in Seconds
SMS averages a 98% open rate vs ~20% for email (Gartner). Capto responds within seconds — before competitors even open their inbox.
Document Checklist Tracking
Track every borrower document per deal — W-2s, tax returns, pay stubs. Never lose track of what's missing before closing.
Rate Lock Alerts
Never miss a rate lock expiration. Color-coded urgency alerts on your dashboard keep you ahead of deadlines.
Smart Contact Management
Every lead, borrower, and referral partner in one place with full conversation history and deal tracking.
Missed-call auto-text
Can't pick up? Capto instantly texts the caller in your voice so the lead never goes cold. Pro plan only.
Auto-Booking & Calendar Sync
AI shares a live time picker built from your Google Calendar. Lead taps a slot — it books itself, sends confirmation, and notifies you.
Your current CRM vs Capto
Most mortgage CRMs were built a decade ago around email. Capto is built for how borrowers actually communicate today.
Compliance and infrastructure,
done right
TCPA-compliant
Built-in opt-out handling, quiet hours, and consent tracking on every message.
10DLC registered
Carrier-approved messaging with deliverability you can trust.
Powered by Twilio
Enterprise-grade SMS infrastructure trusted by Lyft, DoorDash, and Shopify.
OpenAI & Gemini
Best-in-class language models for replies that actually sound human.
Questions, answered
Be one of our first customers
Capto is brand new — and that means founding loan officers help shape the product. Lock in early-access pricing, get direct access to our team, and have your feedback turned into features. See how we approach mortgage lead generation for loan officers.
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