# 150 AI prompts for Loan Officers & Mortgage Pros

> Every prompt title in AI for Loan Officers & Mortgage Pros, grouped as the book groups them. Twelve are printed in full, free.

*Every prompt title in AI on the Job: Loan Officers & Mortgage Pros Edition. Twelve printed in full; the rest are in the book.*

## Setup & Voice (Prompts 1–15)

- **#1 Your permanent profile** — Paste into custom instructions: “I’m a licensed mortgage loan officer ([RETAIL/BROKER]) in [STATE(S)], working mostly with [BORROWER MIX]. Borrower- and agent-facing writing: professional, warm, plain, 8th-grade level, no hype, no exclamation points. Never state, estimate, or imply a rate, APR, payment, closing-cost figure, or approval decision — leave every number as $____ or [FROM PRICING ENGINE], and never write that a loan is approved, guaranteed, or certain to close. No real borrower names or details; placeholders in [BRACKETS].”
- #2 The tone calibrator
- #3 The plain-English filter
- #4 Shorter, always
- #5 Three versions
- #6 The de-jargonizer
- #7 Teach it your voice
- #8 The reverse brief
- #9 Fix my dictation
- #10 Email to text
- #11 The second opinion
- #12 Explain like a mentor
- #13 The checklist maker
- #14 Spanish version
- #15 What did I forget

## Borrower Education & Pre-Approval (Prompts 16–40)

- **#16 The loan-options explainer** — “Generic borrower profile: [E.G., FIRST-TIME BUYER, 5% DOWN, W-2 — no real details]. I’ve chosen to present: [MY OPTIONS]. Write a plain-English comparison: what each is, how they differ on down payment, mortgage insurance, and flexibility — in words, not numbers. Every figure stays blank for me to fill. Don’t recommend one; end with ‘here’s how we’ll decide together.’ No rates, no approval language. Under 250 words.”
- #17 The pre-approval welcome
- #18 Pre-qual vs. pre-approval
- #19 The first-time-buyer sequence
- #20 The LE walkthrough
- #21 Rate-lock education
- #22 Points and credits, explained
- #23 DTI in plain English
- #24 Credit and pricing, gently
- #25 Down-payment myth-buster
- #26 The escrow explainer
- #27 The MI explainer
- **#28 The self-employed documentation explainer** — “Write a message for a self-employed borrower at the start of their loan: why self-employed income is documented differently than W-2 (verifying the business’s stability, not doubting them), the standard documents [MY LIST], why each exists in one plain sentence, and that follow-up requests are normal, not a bad sign. Respectful of their expertise as an owner. No approval promises, no income math. Under 250 words.”
- #29 Why two years
- #30 The ‘why THIS document’ engine
- #31 The LOE briefing
- #32 The gift-funds explainer
- #33 The ‘don’t do this before closing’ list
- #34 The appraisal explainer
- #35 The program comparison (verify-first)
- #36 The VA explainer
- #37 The condo explainer
- #38 The new-construction timeline
- #39 The ARM education (no predictions)
- #40 The shopping-borrower reply

## Pipeline Communication (Prompts 41–65)

- **#41 The milestone update system** — “Build my milestone update kit. For each stage — application received, submitted to underwriting, conditional approval, appraisal back, clear to close, closing scheduled — write a BORROWER version (warm, what this means, what’s next, what I need) and an AGENT version (tight: status, next milestone, target date as [DATE], flags). Under 80 words each, [BRACKETS] for names/dates, no rates, and nothing that guarantees approval or closing — ‘conditional’ stays conditional, ‘on track’ is the ceiling. My voice.”
- #42 Application received
- #43 Submitted to underwriting
- #44 Conditional approval
- #45 Appraisal updates
- #46 Clear to close
- #47 Closing scheduled
- #48 The same-day-upload document request
- #49 The missing-pages re-request
- #50 Delay news, straight
- #51 The quiet pre-approval
- #52 The lock confirmation note
- **#53 Lock-expiration coordination** — “The lock on a file expires [DATE] and [WHAT’S PENDING] must clear first. Write my note to [PROCESSOR / AGENT / BORROWER — pick one]: the date, what has to happen by when, who owns each item, and the ask. Factual, calm, no panic. Under 90 words.”
- #54 ‘Underwriting asked for more — this is normal’
- #55 The Friday pipeline sweep
- #56 The pre-approval letter cover note
- #57 The updated-letter turnaround
- #58 The lost-bid encouragement
- #59 The gone-dark borrower
- #60 The co-borrower catch-up
- #61 Title/escrow coordination
- #62 The HOI reminder
- #63 The ‘what happens in underwriting’ expectations note
- #64 The low-appraisal conversation
- #65 The turndown with dignity

## The Paperwork Machine (Prompts 66–85)

- **#66 The condition-clearing engine** — “Here are open conditions, retyped with no borrower-identifying details: [LIST]. For each, draft the request to the right party ([BORROWER / EMPLOYER / INSURANCE AGENT / HOA]): exactly what’s needed, the one-line reason, the format that clears it first-pass, needed-by [DATE]. Professional and specific — busy third parties who owe me nothing. Under 100 words each.”
- #67 The VOE chase
- #68 The HOI declarations chase
- #69 The condo-docs request
- #70 The professionally persistent ladder
- #71 The payoff/subordination request
- #72 The LOE scaffold
- #73 LOE scaffold — employment gap
- #74 LOE scaffold — credit inquiries
- #75 LOE scaffold — large deposit
- **#76 LOE scaffold — address history** — “Same as #72, for an address discrepancy: the skeleton asks which addresses are theirs, the dates, and the reason for any mismatch, in their words. Blank lines only.”
- #77 The fee-worksheet note
- #78 The CD walkthrough
- #79 The cash-to-close explainer
- #80 Closing-week choreography
- #81 The wire-fraud warning (standalone)
- #82 Closing-day logistics
- #83 The post-closing packet
- #84 The servicing-transfer explainer
- #85 The Friday conditions sweep

## Realtor & Referral Relationships (Prompts 86–105)

- **#86 The weekly agent pipeline touch** — “Format my weekly agent updates. For each shared file — [AGENT FIRST NAME / PROPERTY NICKNAME, NO ADDRESSES / STAGE / NEXT MILESTONE + DATE / ANY NEED] — write a 2–3 sentence Friday text: status in plain words, next milestone with date as [DATE], anything I need from their side. If nothing changed: say so confidently. No rates, no guarantees, no ‘should sail through.’ Brisk, my voice.”
- #87 The new-deal intro
- #88 The agent milestone mirror
- #89 The CTC celebration
- #90 The post-closing thank-you (agent)
- #91 The new-agent cultivation sequence
- #92 The co-marketing proposal (compliance-ready)
- #93 The lunch-and-learn invitation
- #94 The listing-agent credibility script
- #95 The deal-saved recap
- #96 The listing financing flyer (compliance-gated)
- #97 The past-client annual review
- #98 The rate-neutral check-in
- #99 The refi-conversation prep
- #100 The life-event outreach
- #101 The referral thank-you (words only)
- #102 The review request
- #103 The testimonial permission ask
- #104 The professional-partner intro
- #105 The database re-engagement

## The Knowledge Work (Prompts 106–120)

- **#106 The clean-question builder** — “I need to ask my underwriter (or AE) about a scenario. Messy version, no identifying details: [VOICE RAMBLE]. Organize into: BORROWER PROFILE (generic), THE FACTS (bulleted, only what I stated), THE SPECIFIC QUESTION(S) (numbered, answerable), WHAT I’VE ALREADY CHECKED. Do not answer the questions yourself — flag anything you’d guess as [ASK]. Format as a short email.”
- #107 The AE scenario shop
- #108 The cheat-sheet formatter
- #109 The bulletin summarizer
- #110 The overlay tracker
- #111 Conditions to task list
- #112 Scenario math, shown and checked
- #113 The income-structure map
- #114 The underwriting devil’s advocate
- #115 The independent recompute
- #116 The CE quiz-master
- #117 CE flashcards
- #118 The reg concept explainer
- #119 Train the new LO
- #120 The ‘should I take this file’ gut check

## Marketing & Growth (Prompts 121–145)

- **#121 The niche content plan** — “My niche is [NICHE] in [METRO]. Build a 12-topic content plan answering the questions this niche types into Google at 11 p.m. — specific, worried, practical. For each: the question in the searcher’s words, a 3-bullet outline, the format. Rules: educational only, no rates or payment amounts, program facts as [VERIFY AGAINST CURRENT GUIDELINES], footer placeholder [NMLS ID / LICENSING / EQUAL HOUSING]. Everything goes to compliance before publishing.”
- #122 The Google Business Profile overhaul
- #123 The first-time-buyer guide (lead magnet)
- #124 The FAQ goldmine
- #125 A month of posts (no-rates default)
- #126 The 60-second video script
- #127 The 12-month content calendar
- #128 The lunch-and-learn kit
- #129 The homebuyer seminar outline
- #130 The physician-niche page
- #131 The self-employed campaign
- #132 The quarterly newsletter
- **#133 The review reply batch** — “Here are this month’s reviews with reviewer names removed: [PASTE]. Draft replies: 1–3 sentences, my voice, grateful, varied wording. NEVER confirm loan details, financial circumstances, or even that specifics in their review are accurate — thank the person, not the file. Anything under 4 stars: draft but mark HOLD FOR MY REVIEW.”
- #134 The critical-review response
- #135 The bio page
- #136 The agent-facing one-pager
- #137 The just-funded post
- #138 The market post without predictions
- #139 The relocation/multi-state note
- #140 The trigger-term self-screen
- #141 The fair-lending language screen
- #142 The testimonial-to-content pipeline
- #143 The DPA awareness post
- #144 The rent-vs-own education piece
- #145 Marketing month in 60 minutes

## Admin & Momentum (Prompts 146–150)

- **#146 The Monday pipeline brief** — “Organize my week from this mess (no borrower identifiers): [PASTE FILES/STAGES/DATES/PROMISES]. Output: the three closings or locks that drive this week, every update owed today and to whom, the conditions with the longest lead times to start chasing now, and what I’m forgetting based on what I told you last week [IF IN THIS CHAT].”
- #147 The SOP writer
- #148 The quarterly business review
- #149 The delegation test
- #150 The edition-one graduation


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*AI on the Job Press · Greenlight Publishing · 2027 edition*