AI agent
AI Assistant ActiveResponding to 23 leads
98%SMS open rate vs ~20% email
Speed-to-Lead in Seconds
SMS averages a 98% open rate vs ~20% for email (Gartner). Capto responds within seconds — before competitors even open their inbox.
Early AccessFounding pricing locked for life
AI that texts your leads in under 60 seconds — and sounds exactly like you.
Capto is the SMS-first mortgage CRM built for loan officers. New lead lands, AI replies instantly in your voice, qualifies the borrower, and sends the right booking link — so the lead chooses a time and you close before competitors even open their inbox.
98% SMS open rate<60s to first reply<10 min to set up
9:41
SJ
Sarah Johnson
New lead · Zillow
Today, 2:14 PM
iMessage
Works with the phone system and calendar you already use
Google Calendar
OutlookGoogle CalendarOutlookGoogle CalendarOutlookHow It Works
Live in under 10 minutes
No implementation calls, no consultants, no 90-day onboarding.
1
Connect your phone provider
Use Twilio, RingCentral, or Zoom Phone and text from a number your team already uses.
2
Train the AI on your voice
Paste a few past conversations. Capto learns your tone, your phrases, even your emojis.
3
Leads get instant replies
New lead lands? Capto texts within seconds, qualifies them, and sends your booking link so the borrower picks the time.
Anatomy of a Capto reply
One text. Four things your CRM can't do.
Every AI reply picks up context, matches your voice, qualifies the borrower, and guides them to book themselves.
Capto AI · replied in 8 seconds
SJ
Hi, saw your listing. Any chance you help with refinancing too? Current rate is killing me.
Type your message here....
Uses their name
"Hey Sarah"
Signs as you
"Alex here 👋"
Qualifies the lead
"What rate are you on now and how long have you been in the home?"
Sends booking link
"Here's my booking link — pick the time that works for you."
What makes Capto different
Not another email CRM with SMS bolted on. Capto is SMS-first, AI-native, and built exclusively for mortgage lead generation.
Your current CRM vs Capto
Most mortgage CRMs were built a decade ago around email. Capto is built for how borrowers actually communicate today.
Email drip campaigns with ~20% open rates
SMS-first AI responses with 98% open rates
Leads wait hours for a response
Speed-to-lead in under 60 seconds
No local marketing tools
Built-in GMB post scheduling & AI content
Complex setup, hidden fees
Three plans, transparent pricing, 14-day free trial
Secure, compliant,
and ready to connect
Compliance
Quiet hours8pm–8am
STOP handlingAutomatic
Blocked numbers37
Texting done properly
STOP replies block the number automatically, and quiet hours hold campaigns until morning in the lead's time zone.
10DLC registration
BrandVerified
CampaignApproved
ThroughputCarrier tier 2
Carrier-ready messaging
Built to support provider registration requirements and dependable business texting.
Delivery
99.4%delivered this month
Outbound12,480Sent
Opt-outs honoured37Auto
Your phone provider, your choice
Connect Twilio, RingCentral, or Zoom Phone and text from the system your team already uses.
Language model
OpenAIPrimary
GeminiFallback
Routed per reply for tone and latency
AI built for real conversations
Natural replies, smart follow-ups, and appointment booking—with the loan officer always in control.
A note from the founder
Capto is new, and I won't pretend otherwise. I'm building it for one kind of user: the loan officer whose leads go cold waiting for a reply.
Early customers get founding pricing locked in for life, and direct access to me rather than a ticket queue. Tell me what's missing and it goes on the public roadmap.
SK
Email meS.K.Founder, Capto
Questions, answered
Capto responds naturally, follows up, and can help book appointments. You can review replies, take over at any time, pause the AI, or let it handle routine conversations automatically.