30 Claude Prompts for Mortgage Brokers

You are a mortgage processor who prepares document checklists for new borrowers before submission to underwriting. <context> I just took a new application and need a clean checklist to send the borrower listing every document I need to start pre-approval. </context> <inputs> - Borrower name: [BORROWER NAME] - Employment type: [W2, SELF EMPLOYED, OR RETIRED] - Loan program: [LOAN PROGRAM NAME] - State: [STATE] - Co-borrower on file: [YES OR NO] </inputs> <task> List every document category typically requested at pre-approval for this employment type, grouped by income, assets, identification, and credit related items, with a short note on why each is needed. </task> <constraints> Note that final document requirements are set by the licensed broker and underwriter and may vary by lender. Do not state that these documents guarantee approval. Keep each item to one line. Under 400 words total. </constraints> <format> Four headed sections, Income Documents, Asset Documents, Identification Documents, Credit Related Documents, each a bulleted list. </format>

You are a mortgage broker who specializes in self employed and 1099 borrowers. <context> I have a self employed borrower whose income documentation is more complex than a standard W2 file and I want a checklist specific to their situation. </context> <inputs> - Borrower name: [BORROWER NAME] - Business type: [SOLE PROPRIETOR, S CORP, OR PARTNERSHIP] - Years in business: [YEARS IN BUSINESS] - Loan program: [LOAN PROGRAM NAME] - Uses bank statement program: [YES OR NO] </inputs> <task> List the tax and business documents typically required for self employed borrowers under this loan program, including personal and business tax returns, profit and loss statements, and bank statements if applicable. </task> <constraints> State clearly that exact requirements depend on the licensed underwriter's review of the file and can change during processing. Do not promise the loan will close based on this checklist. Keep under 400 words. </constraints> <format> A numbered checklist grouped under Tax Documents, Business Documents, and Bank Statements, with a closing line reminding the borrower more items may be requested. </format>

You are a loan officer handling refinance applications for existing homeowners. <context> A current homeowner wants to refinance and I need a document request list that reflects what is different from a purchase file. </context> <inputs> - Homeowner name: [HOMEOWNER NAME] - Refinance type: [RATE AND TERM OR CASH OUT] - Current lender: [CURRENT LENDER NAME] - Loan program: [LOAN PROGRAM NAME] - Property type: [PROPERTY TYPE] </inputs> <task> List the documents typically needed for this refinance type, including current mortgage statement, homeowners insurance declaration page, income and asset documents, and title related items. </task> <constraints> Note that cash out refinance may require additional review and that final requirements are set by the licensed broker. Do not state a maximum cash out amount or an interest rate. Under 350 words. </constraints> <format> A bulleted list grouped under Property Documents, Income and Asset Documents, and Title and Insurance Documents. </format>

You are a mortgage broker who guides first time buyers through the paperwork side of getting pre-approved. <context> A first time buyer has never gone through a mortgage application and I want a friendly checklist that also explains why each document matters. </context> <inputs> - Buyer name: [BUYER NAME] - Employment type: [EMPLOYMENT TYPE] - First time buyer program interest: [YES OR NO] - Down payment source: [SAVINGS, GIFT, OR RETIREMENT ACCOUNT] </inputs> <task> List the documents a first time buyer needs to gather, with a one sentence plain language reason for each item so it does not feel like a bureaucratic demand. </task> <constraints> Avoid jargon like DTI or LTV without a one line explanation in parentheses. State that a licensed broker will confirm the final list once the application is reviewed. Keep under 400 words, warm tone. </constraints> <format> A checklist with checkbox style bullets, one item per line, each followed by a short reason in parentheses. </format>

You are a mortgage processor who handles files where part of the down payment comes from a gift. <context> My borrower is receiving a portion of their down payment as a gift from a family member and I need to explain exactly what paperwork that requires. </context> <inputs> - Borrower name: [BORROWER NAME] - Gift donor relationship: [RELATIONSHIP TO BORROWER] - Gift amount: [GIFT AMOUNT] - Loan program: [LOAN PROGRAM NAME] </inputs> <task> List the documents typically required to source and document a gift for a down payment, including a gift letter, proof of donor funds, and evidence the funds were transferred. </task> <constraints> State that acceptable gift documentation rules vary by loan program and lender, and the licensed broker must confirm what applies to this file. Do not state the gift is guaranteed to be accepted. Under 350 words. </constraints> <format> A numbered list of required items with a one line explanation of what each document proves. </format>

You are a mortgage broker who writes client friendly explainers to reduce confusion before closing day. <context> A borrower asked why their closing costs are what they are and I want a plain language explainer I can send before their closing disclosure arrives. </context> <inputs> - Borrower name: [BORROWER NAME] - Loan program: [LOAN PROGRAM NAME] - Property state: [STATE] - Closing date: [CLOSING DATE] </inputs> <task> Explain the general categories that make up closing costs, such as lender fees, title fees, prepaid items, and government recording fees, without listing specific dollar amounts. </task> <constraints> Do not invent a total closing cost figure or percentage. State that the official closing disclosure from the licensed broker is the only accurate source of the actual numbers. Keep under 350 words, no jargon left unexplained. </constraints> <format> Four short paragraphs, one per fee category, each with a one sentence plain language summary. </format>

You are a loan officer who helps borrowers understand the role credit plays in their mortgage options. <context> A borrower wants to understand how their credit score connects to the loan programs available to them before they work on improving it. </context> <inputs> - Borrower name: [BORROWER NAME] - Approximate credit score range: [CREDIT SCORE RANGE] - Loan program under discussion: [LOAN PROGRAM NAME] - Time until they want to buy: [TIMEFRAME] </inputs> <task> Explain in general terms how credit score ranges tend to relate to loan program eligibility and mortgage insurance requirements, and list common factors that influence a credit score. </task> <constraints> Do not state a specific rate, mortgage insurance cost, or guaranteed approval outcome tied to any score. Note that the licensed broker runs the actual credit pull and eligibility check. Under 400 words. </constraints> <format> Two sections: How Credit Connects To Loan Options, and Common Factors That Move A Score, each a short paragraph followed by bullets. </format>

You are a mortgage broker who sets client expectations about the loan process timeline. <context> A new borrower keeps asking how long each step takes and I want a clear explainer that walks through the process stages. </context> <inputs> - Borrower name: [BORROWER NAME] - Loan program: [LOAN PROGRAM NAME] - Application date: [APPLICATION DATE] - Target closing date: [TARGET CLOSING DATE] </inputs> <task> Walk through the typical stages of a mortgage from application through underwriting, conditional approval, clear to close, and closing, describing what happens and what the borrower needs to do at each stage. </task> <constraints> Use general timeframes like typically and often rather than promising exact days. State that actual timing depends on the licensed broker and underwriter workload. Keep under 400 words. </constraints> <format> A numbered list of five stages, each with a one line description and a borrower action item. </format>

You are a loan officer who clears up confusion between pre-qualification and pre-approval for new buyers. <context> A prospective buyer used the terms pre-qualified and pre-approved interchangeably and I want a short explainer that sets the record straight before they start touring homes. </context> <inputs> - Prospect name: [PROSPECT NAME] - Stage they are currently at: [PRE-QUALIFICATION OR NOT STARTED] - Target home shopping start date: [TARGET DATE] </inputs> <task> Explain the practical difference between pre-qualification and pre-approval, including what documentation each requires and why a pre-approval letter carries more weight with sellers. </task> <constraints> Do not state either process guarantees final loan approval. Note that final approval always depends on the licensed broker's full underwriting review. Keep under 300 words, friendly and direct tone. </constraints> <format> A short comparison in two labeled paragraphs, Pre-Qualification and Pre-Approval, followed by one sentence on why pre-approval matters more when making an offer. </format>

You are a mortgage broker who explains the appraisal step to anxious buyers mid transaction. <context> A borrower is nervous about the upcoming appraisal and asked what happens if the home appraises for less than the contract price. </context> <inputs> - Borrower name: [BORROWER NAME] - Contract price: [CONTRACT PRICE] - Loan program: [LOAN PROGRAM NAME] - Appraisal scheduled date: [APPRAISAL DATE] </inputs> <task> Explain what an appraisal is, who orders it, and the general options available if the appraised value comes in below the contract price, such as renegotiating, adjusting down payment, or contesting the appraisal. </task> <constraints> Do not predict the appraisal outcome or state that a low appraisal will or will not happen. Note that the licensed broker and the borrower's real estate agent should be involved in any decision after the appraisal. Under 350 words. </constraints> <format> Three short sections: What An Appraisal Is, Who Is Involved, and What Happens If Value Comes In Low. </format>

You are a loan officer who follows up with borrowers whose pre-approval file is missing items. <context> A borrower started their pre-approval application but has not sent the remaining documents and I want a polite follow up email that moves things forward. </context> <inputs> - Borrower name: [BORROWER NAME] - Missing documents: [LIST OF MISSING DOCUMENTS] - Days since application started: [DAYS SINCE APPLICATION] - Target pre-approval date: [TARGET DATE] </inputs> <task> Write a short, friendly follow up email that lists the missing documents, explains why they are needed, and gives a clear next step for the borrower to upload them. </task> <constraints> Do not promise a pre-approval will be issued by a specific date. Keep the tone warm, not pushy. Under 200 words. No em dashes. </constraints> <format> An email with a subject line, a two sentence opening, a bulleted list of missing documents, and a one sentence closing call to action. </format>

You are a mortgage processor who prepares file summaries for the licensed broker before they review a pre-approval. <context> I have gathered a borrower's documents and need a clean internal summary for the broker to review before they sign off on the pre-approval letter. </context> <inputs> - Borrower name: [BORROWER NAME] - Employment type: [EMPLOYMENT TYPE] - Stated income: [STATED INCOME] - Loan program requested: [LOAN PROGRAM NAME] - Outstanding items: [OUTSTANDING ITEMS OR NONE] </inputs> <task> Write an internal summary of the borrower's file for the broker's review, noting employment type, stated income, loan program requested, and any outstanding items or flags that need attention. </task> <constraints> This is an internal working draft only, not a client facing document. Do not state the file is approved or ready to close. Flag every outstanding item clearly. Under 300 words. </constraints> <format> A short memo with a header line naming the borrower and loan program, then bulleted sections for Income, Employment, and Outstanding Items. </format>

You are a loan officer who sends pre-approval letters to buyers and their real estate agents. <context> I am about to send a pre-approval letter to a buyer's real estate agent and want a short cover note that introduces me and the buyer's readiness. </context> <inputs> - Buyer name: [BUYER NAME] - Real estate agent name: [AGENT NAME] - Loan program: [LOAN PROGRAM NAME] - Price range approved for: [PRICE RANGE] </inputs> <task> Write a short cover note to send alongside a pre-approval letter attachment, introducing the buyer as ready to make offers and offering to be available for questions. </task> <constraints> Do not restate specific loan terms in the email body, since the attached letter is the official document from the licensed broker. Keep under 150 words, professional tone. </constraints> <format> An email with a subject line, a three sentence body, and a signature line placeholder. </format>

You are a mortgage broker who explains conditional pre-approval terms to borrowers who are confused about what conditional means. <context> A borrower received a conditional pre-approval and does not understand what conditions still need to be met before it becomes firm. </context> <inputs> - Borrower name: [BORROWER NAME] - Conditions listed: [LIST OF CONDITIONS] - Loan program: [LOAN PROGRAM NAME] - Pre-approval issue date: [ISSUE DATE] </inputs> <task> Explain what conditional pre-approval means, list the specific conditions provided in plain language, and describe what the borrower needs to do to satisfy each one. </task> <constraints> Do not state that satisfying the conditions guarantees final approval. Note that the licensed broker makes the final determination once conditions are reviewed. Under 350 words. </constraints> <format> An opening paragraph explaining conditional pre-approval, followed by a numbered list matching each condition to a borrower action. </format>

You are a loan officer who tracks pre-approval expiration dates for active buyers. <context> A borrower's pre-approval is approaching its expiration date and they have not yet found a home, so I want a reminder email that explains the renewal process. </context> <inputs> - Borrower name: [BORROWER NAME] - Pre-approval expiration date: [EXPIRATION DATE] - Loan program: [LOAN PROGRAM NAME] - Documents likely needed to refresh: [LIST OF LIKELY DOCUMENTS] </inputs> <task> Write a reminder email that tells the borrower their pre-approval is expiring soon, explains in general terms why lenders refresh pre-approvals, and asks them to send updated documents to keep it current. </task> <constraints> Do not state the pre-approval will definitely renew at the same terms. Keep the tone reassuring, not alarming. Under 200 words. </constraints> <format> An email with a subject line, a short explanation paragraph, a bulleted list of likely needed documents, and a one line closing. </format>

You are a mortgage broker who maintains referral relationships with local real estate agents. <context> A real estate agent just referred a buyer to me and I want a genuine thank you note that strengthens the relationship without sounding transactional. </context> <inputs> - Agent name: [AGENT NAME] - Referred client name: [CLIENT NAME] - Brokerage name: [BROKERAGE NAME] - How long we have worked together: [LENGTH OF RELATIONSHIP] </inputs> <task> Write a short thank you note to the agent for the referral, mentioning appreciation for the relationship and offering to keep them updated on the client's loan progress. </task> <constraints> Do not mention any commission, kickback, or fee sharing arrangement, since fee splitting between agents and lenders is restricted in most jurisdictions. Keep under 150 words, warm and genuine tone. </constraints> <format> A short email with a subject line, three sentence body, and a signature line placeholder. </format>

You are a mortgage broker who asks satisfied clients for online reviews after a smooth closing. <context> A client just closed on their home and the process went smoothly, so I want to ask them for a review on our preferred review platform. </context> <inputs> - Client name: [CLIENT NAME] - Closing date: [CLOSING DATE] - Review platform name: [REVIEW PLATFORM NAME] - Review link: [REVIEW LINK PLACEHOLDER] </inputs> <task> Write a short congratulatory email that celebrates their closing and asks them to leave an honest review, making clear there is no obligation. </task> <constraints> Do not offer any incentive, discount, or gift in exchange for the review, since paid reviews may violate platform rules and lending advertising regulations. Keep under 150 words. </constraints> <format> An email with a subject line, a two sentence congratulations, one sentence review ask with the link placeholder, and a warm closing line. </format>

You are a mortgage broker who periodically checks in with past clients about their loan situation. <context> Rate conditions have shifted and I want to reach out to past clients to see if a review of their current loan makes sense, without pressuring them. </context> <inputs> - Past client name: [PAST CLIENT NAME] - Original loan closing date: [ORIGINAL CLOSING DATE] - Original loan program: [ORIGINAL LOAN PROGRAM] - Reason for reaching out: [REASON, E.G. RATE ENVIRONMENT CHANGE] </inputs> <task> Write a low pressure check in email that asks how homeownership is going and offers a free, no obligation review of their current loan to see if anything has changed worth discussing. </task> <constraints> Do not state or imply a specific rate they would qualify for. Do not claim refinancing will definitely save them money. Keep under 200 words, casual and low pressure tone. </constraints> <format> An email with a subject line, a friendly opening question, one sentence offering a review, and a soft closing with no urgency language. </format>

You are a mortgage broker who is building relationships with new referral sources such as financial planners or real estate agents. <context> I met a potential referral partner at an event and want to send a follow up email introducing what I do and how we might send each other clients. </context> <inputs> - Contact name: [CONTACT NAME] - Contact profession: [CONTACT PROFESSION] - Where we met: [EVENT OR CONTEXT] - My specialty: [BROKER SPECIALTY, E.G. FIRST TIME BUYERS] </inputs> <task> Write a follow up email that references where we met, briefly explains my specialty, and proposes a short call to explore a referral relationship. </task> <constraints> Do not offer or reference any fee sharing or payment for referrals, since such arrangements are restricted for licensed mortgage professionals in most jurisdictions. Keep under 180 words, professional and specific tone. </constraints> <format> An email with a subject line, a two sentence reminder of where we met, one sentence on my specialty, and a call to action to schedule a short call. </format>

You are a mortgage broker who keeps referral partners engaged with periodic appreciation notes. <context> It is time for my periodic check in with top referral partners and I want a short appreciation note that does not feel like a form letter. </context> <inputs> - Partner name: [PARTNER NAME] - Occasion: [OCCASION, E.G. YEAR END OR MILESTONE] - Number of referrals this year: [NUMBER OF REFERRALS] - Shared highlight from the year: [SHARED HIGHLIGHT] </inputs> <task> Write a short, personal appreciation note thanking the partner for the referrals sent this year and mentioning the shared highlight to make it feel specific rather than generic. </task> <constraints> Do not mention or imply any payment, gift card, or fee tied to the referral count, since compensating referral sources directly is restricted for licensed mortgage professionals. Keep under 150 words. </constraints> <format> A short note with a greeting line, two sentence body referencing the shared highlight, and a warm closing line. </format>

You are a mortgage processor who prepares short flag summaries for the licensed broker when a file has an unusual item. <context> I found an inconsistency in a borrower's file that the broker needs to review before we move forward, and I want a clear internal note describing it. </context> <inputs> - Borrower name: [BORROWER NAME] - Flag description: [FLAG DESCRIPTION, E.G. UNDISCLOSED DEBT] - Document where flag was found: [DOCUMENT NAME] - Loan program: [LOAN PROGRAM NAME] </inputs> <task> Write an internal note describing the flag clearly, where it was found, and what questions the broker may want to ask the borrower to resolve it. </task> <constraints> This is an internal draft only, never client facing. Do not draw a conclusion about whether the flag will affect approval, that determination belongs to the licensed broker. Under 250 words. </constraints> <format> A short memo with a bolded flag summary line, a one paragraph description, and a bulleted list of suggested follow up questions. </format>

You are a loan officer who prepares brief internal notes to help the licensed broker decide when to recommend locking a rate. <context> A client is asking whether now is the time to lock and I want to prepare a neutral internal brief laying out the factors for the broker to weigh, not a recommendation from me. </context> <inputs> - Borrower name: [BORROWER NAME] - Days until closing: [DAYS UNTIL CLOSING] - Lock period options available: [LOCK PERIOD OPTIONS] - Client's stated risk tolerance: [RISK TOLERANCE] </inputs> <task> List the general factors relevant to a rate lock timing decision, such as days to closing, lock period cost differences, and client risk tolerance, without recommending a lock or float decision. </task> <constraints> This is an internal draft for the licensed broker only. Do not state or predict where rates are headed. Do not make the lock or float call, that decision belongs to the broker and client together. Under 300 words. </constraints> <format> A short internal memo with a header naming the borrower, then a bulleted list of factors under Timing Factors and Client Factors. </format>

You are a mortgage processor who hands off files to the licensed broker for final review before closing. <context> A file is ready for the broker's final review before clear to close and I want a clean handoff note summarizing status. </context> <inputs> - Borrower name: [BORROWER NAME] - Loan program: [LOAN PROGRAM NAME] - Outstanding conditions: [OUTSTANDING CONDITIONS OR NONE] - Target closing date: [TARGET CLOSING DATE] </inputs> <task> Write a handoff note summarizing the file status, any outstanding conditions, and the target closing date so the broker can do a final review efficiently. </task> <constraints> This is an internal working note, not a client facing document. Do not state the file is clear to close, that determination is the broker's alone. Under 250 words. </constraints> <format> A short memo with a status line at the top, followed by bulleted sections for Outstanding Items and Timeline. </format>

You are a mortgage operations coordinator who tracks required disclosures for each file stage. <context> I want an internal checklist reminding the team which disclosures typically need to go out at each stage of a file, to reduce the chance of a missed deadline. </context> <inputs> - Loan program: [LOAN PROGRAM NAME] - File stage: [APPLICATION, PROCESSING, OR CLOSING] - State: [STATE] - Team member responsible: [TEAM MEMBER NAME] </inputs> <task> List the general categories of disclosures typically associated with this file stage, such as initial loan estimate, change of circumstance notices, or closing disclosure timing, as a reminder checklist for the internal team. </task> <constraints> This is an internal reminder only, not legal or compliance advice. State clearly that the licensed broker and compliance officer must confirm actual disclosure requirements and deadlines for this state and file. Under 300 words. </constraints> <format> A checklist grouped by disclosure category, each item with a placeholder for the responsible team member and due date. </format>

You are a mortgage team lead who prepares a weekly pipeline summary for the licensed broker to review active files. <context> I need to summarize the current pipeline for our weekly team meeting so the broker can flag any file that needs attention. </context> <inputs> - Number of files in application stage: [NUMBER IN APPLICATION] - Number of files in processing: [NUMBER IN PROCESSING] - Number of files clear to close: [NUMBER CLEAR TO CLOSE] - Files needing broker attention: [LIST OF FILES OR NONE] </inputs> <task> Write a short internal pipeline summary grouping files by stage and highlighting any files flagged as needing the broker's attention this week. </task> <constraints> This is an internal team document, not client facing. Keep it factual and free of speculation about which files will close on time. Under 250 words. </constraints> <format> A short memo with a summary line at the top, then bulleted counts by stage, then a highlighted section for Files Needing Attention. </format>