Does Voksha warm-transfer hot leads to an available loan officer, or does it always just take a message?

For Mortgage Brokers

It depends on how you configure availability. If an LO is set as available (not in a closing, not already on a call), Voksha can warm-transfer a qualified, high-value lead directly, a borrower under contract with a closing deadline, for example, rather than booking a future appointment and letting the urgency cool off. The AI completes the qualification first (loan amount, timeline, credit range), then connects the call live if the right LO is free, briefing them in real time on what the borrower needs before they pick up. If no LO is available, which is the more common scenario given that most brokerages run lean, it falls back to booking the next available consultation slot on the calendar and sends the qualification summary immediately so the LO can call back armed with context rather than cold. Most brokerages set warm transfer as the default only for high-value or time-sensitive scenarios (a purchase under contract with a tight closing date, or an existing client with a funding-critical question) and let lower-urgency calls, general rate shopping, early-stage refi curiosity, route to scheduled booking instead, so LOs aren't pulled out of underwriting calls for every single inbound. This balance, immediate connection for genuinely urgent leads, scheduled booking for everything else, is typically set during onboarding based on how your team already prioritizes calls.