AI Prompts for Loan Officers: 15 Claude Prompts You Can Copy Today

You are my writing assistant for my work as a mortgage loan officer.

ABOUT ME
- Name: [YOUR NAME]
- Company: [COMPANY NAME], a [RETAIL LENDER / BROKER / CREDIT UNION / BANK]
- Markets I serve: [CITIES OR STATES]
- NMLS display rule: [HOW YOUR NMLS ID MUST APPEAR IN MARKETING]
- Main loan types: [CONVENTIONAL, FHA, VA, USDA, JUMBO, ETC.]
- My referral partners are mostly real estate agents.

TONE
- Plain English, warm, confident, never salesy.
- Short sentences. No jargon unless I ask for it, and define any term you use.
- Texts under 300 characters. Emails under 150 words unless I say otherwise.

HARD RULES
- Never include rates, APRs, payment amounts or down payment figures unless I provide them, and flag any Regulation Z trigger terms for compliance review.
- Never promise approval, a rate, a closing date or a specific outcome.
- Never ask me for or repeat SSNs, account numbers, or other borrower personal data. If I paste something that looks like it, tell me to remove it.
- Do not mention referral fees, gifts or anything of value exchanged with real estate agents. If a co-marketing idea could raise a RESPA question, say so and tell me to check with compliance.
- When you use information from my uploaded guidelines, cite the section or page so I can verify it.
- If you are not sure about a guideline or rule, say so. Do not guess.

EVERY DRAFT
- End with a short "Compliance check" list of anything I should have reviewed before sending.
- Give me one version unless I ask for options.

Write a 3-touch follow-up sequence for a pre-approved borrower who has not been in touch in [NUMBER] days.

Context: [FIRST-TIME BUYER / MOVE-UP BUYER], pre-approved for [LOAN TYPE], working with agent [AGENT FIRST NAME]. Last thing we discussed: [TOPIC].

Touch 1: a text, checking in, no pressure.
Touch 2: a short email [NUMBER] days later offering something useful, like a quick call to rerun numbers when they find a house.
Touch 3: a text [NUMBER] days after that, giving them an easy way to say "we're pausing."

Do not mention rates or payment amounts. Label each touch with the day it goes out.

A borrower's file is stalled because we are waiting on these items: [LIST ITEMS, E.G. "updated pay stub, letter of explanation for a large deposit"].

Write a friendly text and a matching email asking for them. Explain in one plain sentence why each item matters, so it doesn't feel like busywork. Tell them the easiest way to send it: [SECURE PORTAL / UPLOAD LINK INSTRUCTIONS]. Do not imply the loan is at risk. Close with my direct number: [PHONE].

A pre-approved buyer has lost [NUMBER] offers and told me they feel like giving up. Write a short, human email that acknowledges the frustration without being cheesy, reminds them their pre-approval is [STATUS, E.G. "still active until DATE"], and offers a 15-minute call to talk through options with their agent [AGENT FIRST NAME]. No rates, no payment figures, no promises about what they will win.

Explain what an appraisal gap is to a first-time buyer who has never heard the term. Use one simple example with round, clearly hypothetical home prices and label them as an example. Do not state a down payment amount, payment amount or rate, and flag any line that could need a disclosure. Cover: what it is, why it happens, and the general options buyers talk through with their agent and lender. Keep it under 200 words. Do not give advice for their specific situation. End with "Talk to me before you write an offer if you're worried about this."

Write a plain-English walkthrough of the Loan Estimate for a borrower who just received theirs and is overwhelmed. Go page by page in short sections, explaining what each section is for, not what their numbers mean. Tell them which parts are worth comparing between lenders and which questions to bring to me. Under 300 words. Do not include any sample rates, payments or fees.

Write a short explainer for borrowers titled "What happens between [STAGE, E.G. 'ACCEPTED OFFER'] and [STAGE, E.G. 'CLOSING']." Use a numbered list of the steps in plain English, note where the borrower has a task, and flag the moments where they should not make big financial changes. Under 250 words. Do not give specific timelines unless I provide them: [TIMELINES IF ANY].

Write a short intro email to a real estate agent I met at [EVENT OR CONTEXT]. They mostly work with [BUYER TYPE, E.G. "first-time buyers in suburban 3-beds"]. Lead with one specific way I can make their deals smoother, such as [E.G. "same-day pre-approval letters" or "Saturday availability"]. Suggest a 20-minute coffee. Under 120 words. No gifts, no referral talk, no rates.

Write a weekly status email to agent [AGENT FIRST NAME] covering our shared files. Use first names only.

Files:
- [BUYER FIRST NAME]: [STAGE], next step [NEXT STEP], waiting on [ITEM]
- [BUYER FIRST NAME]: [STAGE], next step [NEXT STEP], waiting on [ITEM]

Format: one line per file, then a one-sentence "anything you need from me?" close. Skimmable on a phone. No borrower financial details.

Give me 5 co-marketing ideas I could do with a real estate agent partner, such as a first-time buyer class or a joint guide. For each idea, add a "Compliance question" line naming what my compliance department would likely want to review (cost sharing, who pays for what, how leads are handled). Do not suggest anything involving a referral fee, gift or payment to the agent.

Write 5 social posts for [PLATFORM] for a loan officer. Topics: [E.G. "a common pre-approval myth, a quick tip on documents, a question I get every week, a shout-out to agent partners (no names), and a reminder I work Saturdays"]. Each under [NUMBER] words, with a one-line hook. No rates, payments, down payment amounts or "as low as" language. Add my required line at the end of each: [NMLS AND COMPANY DISCLAIMER].

Write a 60-second talking-head video script answering this borrower question: "[QUESTION, E.G. 'Should I get pre-approved before I look at houses?']". Structure: a 5-second hook, three short points, and a call to action to [CTA]. Write it the way people talk, with short lines I can read off my phone. Flag any line that could need a disclosure.

Write a 1-year closing anniversary text and a slightly longer card message for a past client, [FIRST NAME], who bought a [HOME TYPE, E.G. "townhome"] in [CITY]. Warm, personal, no sales pitch. Offer one useful thing: [E.G. "a reminder to check their homeowners insurance renewal"]. Mention their agent [AGENT FIRST NAME] if natural.

Write a short check-in email to past clients who asked me to keep an eye on rates for them. Do not state, predict or imply any rate, payment or savings. The message is simply: I'm still watching, here is what I'd need from you if you ever want me to run a review, and you can reply anytime. Under 100 words. End with a "Compliance check" note on anything that could read as a rate promise.

Using the [INVESTOR / PROGRAM NAME] guidelines I uploaded to this project, build a one-page quick-reference for [TOPIC, E.G. "self-employed borrower documentation" or "non-occupant co-borrowers"].

Format: a table with Requirement, What it means in plain English, and Source section/page. Add a short "Watch-outs" list at the end. If the guidelines are unclear or silent on something, say so instead of filling the gap.

Here are my rough notes from a call with [WHO, E.G. "a borrower" or "agent partner"]. Personal details are removed.

[PASTE NOTES]

Turn this into:
1. A to-do list for me, with owners and due dates where mentioned
2. A to-do list for the other person
3. A short recap email I can send them confirming what we agreed
Flag anything that sounds like a commitment I should double-check before putting in writing.

I want to turn my weekly agent partner update into a reusable skill. Here's how I do it now: [DESCRIBE YOUR PROCESS, E.G. "every Friday I list each shared file with first name, stage, next step and what we're waiting on, then send one email per agent"]. Here's an example of a good one: [PASTE A PAST UPDATE WITH NAMES REMOVED]. Rules: first names only, no borrower financial details, no rates, end with "anything you need from me?" Build this as a skill and tell me how to turn it on.