Should I hire an in-house loan processor to answer phones instead of using Voksha?

For Mortgage Brokers

A loan processor's time is worth more spent on file work, condition clearing, and closing coordination than sitting on hold-duty answering every inbound call, and processors typically cost $45,000 to $65,000/year fully loaded, plus they still only cover roughly 40 to 45 hours a week, missing the evening and weekend calls that make up a large share of borrower shopping activity. Voksha runs $99/month on Premium for a comparable or higher call volume, with 24/7 coverage a salaried processor structurally can't provide without overtime. The realistic comparison isn't Voksha versus a processor, it's Voksha handling intake and qualification so your existing processor spends their time on actual loan files instead of repeatedly asking the same six qualification questions to callers who may not even be ready to move. Brokerages that hire specifically to cover phones, rather than to process files, often find that role becomes the highest-turnover position in the office, since answering repetitive intake calls all day is not why most people take a mortgage industry job, leading to retraining costs every time that person leaves. Where a human still matters is anything requiring judgment: structuring a complex scenario, negotiating with an underwriter, or handling a distressed borrower's emotional, high-stakes closing question. Most brokerages land on a hybrid: Voksha for 24/7 intake and qualification, human processors and LOs for everything that requires licensure or judgment, which is a more efficient allocation of a processor's actual skill set than phone duty.