How does it handle underwater borrowers or tire-kickers without wasting a loan officer's time?

For Mortgage Brokers

The qualification script is built to surface disqualifying or low-priority factors early rather than after twenty minutes on the phone: credit score well below program minimums, a debt-to-income ratio that's clearly unworkable, negative equity on a refi request with no cash to bring to closing, or a caller who's six or more months from being ready to buy and is just gathering general information. Instead of booking every caller straight onto an LO's calendar, Voksha flags these conversations differently. A borrower who's clearly not ready still gets useful general guidance, what credit score or down payment they'd need to work toward, and gets added to a longer-term follow-up list rather than an immediate consultation slot, while a genuinely qualified $300K to $500K purchase or refi lead gets flagged as high priority and booked immediately. This is the difference between an LO spending 45 minutes on the phone with someone who can't close for a year, versus that same 45 minutes going toward three qualified consultations. Brokerages running high call volume during a refi surge see the biggest benefit here, since a 500% spike in calls is mostly rate-shoppers and curious existing clients, not all of them ready to move, and manually screening that volume by phone is exactly the kind of repetitive intake work that burns out an LO or processor fastest.