Built so no lead
waits for a reply.
Capto is an SMS-first CRM for loan officers. An AI assistant texts new leads back in your voice within a minute, and everything else in Capto is built around that.
Why I started Capto
I built Capto after watching loan officers lose deals for one simple reason: they couldn't text a lead back fast enough.
A new mortgage lead cools off within minutes, and the lender who replies first usually gets the conversation. But most loan officers are juggling 15 or more files, lender conditions and anxious borrowers. Answering every "what's your rate?" text the moment it arrives isn't realistic.
Then a client of mine went looking for one tool that handled texting and lead generation together. She tried company after company, and none of them did what she needed. So I decided to build it.
An assistant that texts your leads for you
Replies in under 60 seconds
Every new lead gets a text back right away, at 2pm or 11pm on a Saturday.
Qualifies the lead
Asks about credit range, timeline and property type, so you know who's ready.
Texts back missed calls
Miss a call and Capto texts the caller in your voice, so the lead doesn't go cold.
Books the call
Offers real open times from your calendar and books the one the lead picks.
Sounds like you
Matches your tone using examples of your past texts.
Texting done properly
10DLC-registered numbers, automatic STOP handling and a blocklist.
Everything else (pipeline, campaigns, document tracking, Google Business posting, rate-lock alerts) is built around that core. Capto isn't a generic CRM with texting bolted on. It's SMS-first and made for mortgage.
See every feature- Live in about 10 minutes
- No implementation calls
- No 90-day onboarding
How we build Capto
Honest AI
Your assistant texts in your voice. If a lead asks whether they're talking to a person, it says it's your assistant, and you can step in anytime.
Your number, your leads
Text from your own Twilio number. Your conversations and contacts stay yours.
Talk to the founder
Customers reach me directly, not a ticket queue.
Questions? Ask me directly.
Especially if you work in mortgage, real estate or sales, live in your inbox and wish you didn't.