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📱 SMS Automation

Loan closes. Spokk takes over. You focus on the next one.

The post-close follow-up that every broker knows they should be doing but never has time to do manually. Feedback request at 2 hours. Reminder at 24 hours. Review nudge at 3 days. Referral message at 20 days. Smart skip logic so nobody gets pestered. Set it up once and forget it.

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No credit card required · 150 SMS included in trial · Activates in minutes

98%

of SMS messages are read — vs 20% for email

source
90sec

average time to read and respond to an SMS message

source
47%

of clients most likely to give feedback within 24 hours of their experience

source
3x

higher referral conversion rate from clients contacted within 30 days of close

source

The default mortgage automation sequence

This runs out-of-the-box. Every timing and message is editable. Every step can be toggled on or off.

Feedback Request2 hours after closing trigger

Sends the client their personalized feedback link. Mobile-optimized form with star ratings, service selection, loan officer rating, and an optional comment box. Takes 60 seconds to complete.

Default SMS template:

"Hi {{name}}, thanks for working with {{company}}! We'd love your feedback on how your experience went: {{link}}"

Feedback Reminder24 hours after closing trigger

A single gentle follow-up for clients who received the feedback SMS but did not submit. Same personalized link.

Default SMS template:

"Hi {{name}}, just a quick follow-up — we'd love to hear about your experience: {{link}}"

↳

Automatically skipped if the client already submitted feedback.

Google Review Nudge3 days after closing trigger

Sent to clients who submitted feedback but did not click the Google review link. The AI-drafted review is waiting for them at the link. Getting them back at a second touch point significantly improves review completion.

Default SMS template:

"Hi {{name}}, if you have a moment, we'd really appreciate a Google review — we've put together a draft based on your feedback: {{link}}"

↳

Automatically skipped if the client already clicked the Google review link, or if they never submitted feedback.

Referral Message20 days after closing trigger

Delivers the client's unique referral code. 20 days post-close is the sweet spot: the positive experience is still fresh, life has settled down after the move, and the client is likely talking to people in their network about their new home.

Default SMS template:

"Hi {{name}}, if you know anyone looking to buy or refinance, share your referral code and they mention it when reaching out — you both get a reward. Your code: {{code}}"

↳

Automatically skipped for opted-out contacts.

Smart skip logic: why this does not feel spammy

The most common concern brokers have about SMS automation is this: will clients feel pestered? The answer is no, and here is why. Spokk tracks exactly what each client has done and skips every message that is no longer relevant.

✅

Client submits feedback within 2 hours

24-hour reminder is automatically skipped. They responded. No need.

✅

Client submits feedback AND clicks the review link

3-day review reminder is skipped. They already clicked. Done.

⏭️

Client did not submit feedback at all

Review reminder is skipped (can't send them to Google without feedback). Referral still runs at day 20.

🛑

Client replies STOP to any message

Contact is marked as opted out. All remaining steps permanently skipped. TCPA compliant.

⏱️

Client closes a second loan within the cooldown window

Cooldown protection prevents re-triggering the sequence too soon. You set the cooldown period.

Four ways to trigger the sequence for mortgage clients

📲

QR code check-in at your office

Print the Spokk QR code and display it at your closing table or office. Client scans, confirms their visit, and the sequence starts. Works on any smartphone with no app required.

🖥️

Manual trigger from your dashboard

Most common

Log a closing manually from the Spokk dashboard. Enter the client name, phone number, and any notes. Takes 30 seconds. Most brokers use this as their primary method when they are not using a CRM integration.

This is the simplest way to start. Open Spokk, click Add Visit, enter the client details. The sequence starts automatically.

🔗

REST API connected to your LOS or CRM

Connect Spokk to your loan origination software or CRM via API. When a loan is marked closed, Spokk automatically receives the trigger. Full automation with zero manual entry.

API keys are available on all plans. Full documentation in the Spokk dashboard.

⚡

Zapier or Pabbly (no-code)

No coding required. Connect your existing tools to Spokk through Zapier or Pabbly. Works with virtually any LOS, CRM, or spreadsheet-based workflow.

If your loan pipeline lives in a spreadsheet or a tool like HubSpot, Salesforce, or Monday, you can connect it to Spokk in minutes without touching any code.

The defaults work. But it is all yours to change.

The out-of-the-box automation is effective for most mortgage brokers immediately. But if you want to tune it to your specific workflow and client voice, the flow builder gives you full control.

⏰

Adjust the timing

Change the feedback request to 4 hours. Move the referral message to 30 days. Every delay is configurable in hours or days.

✍️

Rewrite any template

Change the wording to match your voice. Add your brokerage name, your specific rewards, your personal sign-off.

🔧

Toggle steps on or off

Only want feedback and reviews? Turn referral messages off. Each step is independently enabled or disabled.

➕

Add custom steps

A 6-month rate check message. A first anniversary congratulations. A refinance opportunity trigger. Any message, any timing.

📍

Multiple offices or teams

Different office locations can use the same automation flow or different ones. Each has its own tracking.

⏱️

Feedback cooldown

Set how many days must pass before a client re-enters the sequence. Prevents over-messaging clients who do multiple transactions.

Frequently asked questions

What SMS messages does Spokk send automatically for mortgage brokers?+
The default sequence sends: (1) a feedback request 2 hours after the closing trigger, with a personalized link to rate their experience; (2) a feedback reminder 24 hours later if they have not submitted yet; (3) a Google review reminder 3 days after closing if feedback was submitted but the review link was not clicked; and (4) a referral request 20 days after closing. Every step is customizable.
How does Spokk know when to skip a message?+
Spokk has smart skip logic in every step. The feedback reminder is skipped if the client already submitted feedback. The review reminder is skipped if the client already clicked the review link or never submitted feedback. The referral step checks opt-out status. No client gets a message they have already acted on.
How is the automation triggered for mortgage clients?+
The sequence triggers when you log a client closing. You can do this via QR code check-in at your office, manual entry in the Spokk dashboard, REST API connected to your LOS or CRM, or via Zapier/Pabbly. Once triggered, the entire sequence runs automatically.
Can I customize the SMS message templates?+
Yes. Every message template is fully editable. You can change the wording, adjust the timing, and enable or disable individual steps. Templates support {{name}} for the client's name, {{company}} for your brokerage name, and {{link}} for the relevant URL.
What happens if a client opts out of SMS messages?+
Clients who reply STOP to any message are immediately marked as opted out. All remaining automation steps for that contact are permanently skipped. Opt-out is recorded at the contact level. This is fully compliant with TCPA requirements.
Can I add extra automation steps beyond the default four?+
Yes. The Spokk flow builder lets you add custom SMS steps with your own message and timing. For example, a 6-month anniversary check-in, a refinance opportunity message when rates drop, or a testimonial request at 30 days post-close.
Does the automation work if I have multiple loan officers?+
Yes. Each closing is associated with the specific loan officer who handled it. The feedback form can ask the client to rate that officer specifically. Automation runs identically regardless of which team member handled the loan.
Is there a cooldown to prevent over-messaging clients who refinance multiple times?+
Yes. You can configure a feedback cooldown in days. If a client closes a second loan within the cooldown window, the automation will not re-trigger until the cooldown period expires. This prevents over-messaging clients who do multiple transactions with you.
Can I connect Spokk automation to my loan origination software?+
Yes via REST API, Zapier, or Pabbly. When a loan is marked as closed in your LOS, that event can automatically trigger the Spokk sequence. This eliminates manual entry entirely. Documentation for API integration is available in the Spokk dashboard.
How is the SMS number set up for my brokerage?+
For US and Canadian brokerages, Spokk provisions a dedicated toll-free SMS number for your business on paid plans. During the 14-day free trial, messages come from a shared Spokk number. International brokerages can use their own Twilio credentials.
Can I see logs of every message sent to each client?+
Yes. Your Spokk dashboard shows automation activity for every contact, including which steps were sent, when, what was skipped and why, and whether the client clicked any links. The logs are detailed and per-automation-run.

More for mortgage brokers

Spokk for Mortgage Brokers

Full platform overview.

Google Reviews

AI-generated review drafts from client feedback.

Client Feedback

Private feedback channel and sentiment tracking.

Referral Program

Turn clients into a referral engine.

Loyalty Program

Reward repeat clients and drive refinances.

Loan Officer Performance

Per-staff ratings from real client feedback.

SMS Automation Product

How the automation system works across all industries.

Starter

For solo operators & small teams

$49/month

Billed $588/year

250 customers / month

Unlimited SMS included

  • 250 customers / month
  • 1 manager + 1 staff member
  • Unlimited locations
  • Dedicated toll-free SMS number (US & Canada)
  • Full automation sequence
  • AI review response drafts
  • Loyalty & referral programs
  • Feedback forms & QR codes
  • HubSpot integration & API access
  • Buy additional customer top-ups

Growth

For growing businesses & teams

$82/month

Billed $984/year

500 customers / month

Unlimited SMS included

  • 500 customers / month
  • 2 managers + 2 staff members
  • Unlimited locations
  • Dedicated toll-free SMS number (US & Canada)
  • Full automation sequence
  • AI review response drafts
  • Loyalty & referral programs
  • Feedback forms & QR codes
  • HubSpot integration & API access
  • Buy additional customer top-ups

Pro

For high-volume businesses

$166/month

Billed $1992/year

1,500 customers / month

Unlimited SMS included

  • 1,500 customers / month
  • 3 managers + 5 staff members
  • Unlimited locations
  • Dedicated toll-free SMS number (US & Canada)
  • Full automation sequence
  • AI review response drafts
  • Loyalty & referral programs
  • Feedback forms & QR codes
  • HubSpot integration & API access
  • Buy additional customer top-ups

All plans include a 14-day free trial. No charge until your trial ends. Questions?