Every feature a loan officer actually uses.

Text from your own number. When a lead replies, the AI answers in your voice, in English or Spanish, and you can pause it on any conversation.

• Twilio, with RingCentral and Zoom Phone rolling out
• English and Spanish replies
• Live inbox with AI pause

Set the name, tone and emoji style, add examples of your past texts, and take over any conversation yourself. Test any reply in the simulator before it goes live.

• Writing samples
• Pause the AI on any thread
• Reply simulator

The AI checks your Google Calendar or Outlook, offers the lead real open times plus a booking link, and books the one they pick. The borrower gets a confirmation and you get an alert.

• Google Calendar and Outlook
• Only open times, never invented ones
• Confirmation text and reschedule link

When a call to your Twilio number goes unanswered, Capto texts the caller right away with a message you write, so the lead doesn't go cold.

• Instant text on a missed call
• Your own message per number
• Optional call forwarding

Use separate numbers for conversations, campaigns and milestone texts. Capto picks the right one for each.

• Up to 5 numbers on Pro
• Per-workflow routing
• One default fallback

Past borrowers get a text when rates drop well below their loan rate or on their home anniversary, and you get alerts when a rate lock nears expiry.

• Rate-drop refi alerts
• Loan anniversary texts
• Review first or auto-send

Drag-and-drop stages built for mortgage: Lead, Pre-approval, Application, Processing, Underwriting, Closing and Funded.

• Visual board
• Milestone timeline
• Stuck-deal alerts

Every deal starts with the standard mortgage document list, so you always know what's still missing.

• Standard mortgage documents
• Add your own items
• Status for each document

A mobile-friendly portal where borrowers upload documents and follow their loan's milestones.

• Secure document uploads
• Milestone updates
• Your logo and branding

Send a text or email campaign to a list, now or on a schedule. Build emails with a drag-and-drop builder and see who opened and clicked.

• Drag-and-drop email builder
• Scheduled sends
• Open and click tracking

Multi-step text and email sequences that go out over days and stop the moment a lead replies, so long-cycle leads stay warm without you chasing them.

• Text and email steps
• Timed follow-ups
• Stops on reply; respects quiet hours and opt-outs

Connect your Google Business Profile and let AI draft rate updates, market notes and announcements for you to schedule.

• One-click connect
• AI-drafted posts
• Scheduling

Import contacts from CSV, group them into lists, and see every text, deal and milestone on each contact's timeline.

• CSV import and export
• Lists and filters
• Activity timeline

Every conversation in one inbox that updates on its own, with unread markers and a clear view of which leads need you and which the AI is handling.

• Updates live
• Needs-you and AI-handling views
• Take over any thread

Start the day with who needs a reply, today's appointments and stuck deals. Press ⌘K to jump to any contact, deal or conversation.

• Daily to-do queue
• ⌘K search and quick actions
• New deal from anywhere

Speed-to-lead trends, the share of leads answered within 5 minutes, results by lead source and campaign opens and clicks, plus a weekly email report.

• Speed-to-lead with CSV export
• Weekly email report
• Campaign opens and clicks

Invite teammates and switch between businesses in one click. Each loan officer works their own leads and inbox; shared team views are coming soon.

• Up to 5 seats on Pro, 10 on Team
• Multiple workspaces
• Shared team views (coming soon)

An ARV calculator and a fix-and-flip deal analyzer for your investor clients, free for everyone.

• ARV calculator
• Fix-and-flip analyzer