Every Lead Contacted in 60 Seconds.
Every Channel. Every Time.
Aria, your AI loan officer assistant, calls, texts, and emails leads the moment they arrive — qualifying borrowers, booking appointments, and transferring hot prospects live to you.
Five Channels. One AI Brain.
Every channel is orchestrated by the same AI — Aria remembers every interaction across every touchpoint.
AI Voice Calls
Aria calls every new lead within 60 seconds
- Personalized greeting using lead data
- Mortgage qualification in natural conversation
- Live transfer to LO with whisper briefing
- TCPA compliant: quiet hours, DNC, consent
"Hi Sarah, this is Aria calling from First National. I saw you were looking at refinance options — do you have a quick minute?"
"Yes, actually I was wondering about current rates for a 30-year fixed."
"Great question. Let me connect you with your loan officer who can pull live rates for you right now..."
AI SMS (Two-Way)
Not canned templates — real AI conversations
- Claude-powered responses that adapt to borrower tone
- Cross-channel awareness (references prior calls)
- Deal Breaker detection with alternative routing
- STOP handling with instant compliance
Hi James, this is Aria from First National. We spoke briefly on the phone earlier — I wanted to follow up on the purchase loan you mentioned. What price range are you looking at?
10:32 AMAround 400k. What kind of down payment would I need?
10:34 AMFor $400K, conventional loans start at 3% down ($12K). FHA is 3.5% ($14K). Would you like me to book a 15-minute call with your loan officer to run exact numbers?
10:34 AMAI Email
Sent from YOUR Outlook, not a system address
- Hyper-personalized with full lead context
- Open/click tracking that updates lead scores
- Rate drop alerts, document reminders, post-call follow-up
- Microsoft Graph integration — borrowers reply directly to you
Hi Sarah, I wanted to reach out because 30-year fixed rates moved down to 6.25% today. Based on the $450K refinance we discussed, this could save you approximately $215/month compared to your current rate...
Live Transfer
Hot leads, transferred live with context
- LO hears a whisper briefing before connecting
- Real-time LO availability checking
- If unavailable: priority callback + SMS alert
- Full qualification context in the whisper
"Incoming transfer: Sarah Johnson, pre-qualified, $450K refinance, 760 FICO, currently at 7.1% — interested in 30-year fixed. She is ready to proceed."
Voicemail Drops
Ringless voicemail when they don't answer
- AMD detection triggers pre-recorded message
- Automatic SMS follow-up 15 minutes later
- No missed opportunities
How It Works
From lead arrival to live transfer in three steps. No manual dialing. No forgotten follow-ups.
Lead Arrives
Any source: web form, Encompass, Salesforce, manual entry. The moment it hits your pipeline, the engine activates.
Aria Engages
AI selects the optimal channel based on time of day, borrower preference, and pipeline stage. Voice, SMS, email, or all three.
You Close
Qualified leads are transferred live to you with a whisper briefing, or an appointment is booked directly on your calendar.
The Brain Behind Every Engagement
15 trigger events. Intelligent channel selection based on time, borrower preference, and stage. Fatigue prevention ensures no borrower is overwhelmed. Compliance gates validate every message before it sends.
12 Months of Intelligent Nurture
Adaptive drip campaigns that adjust intensity based on engagement. The moment a lead responds, the drip pauses and Aria starts a live conversation.
High Frequency
Aggressive multi-channel outreach. AI call on day 1, SMS follow-up, email sequence. Up to 3 touchpoints per day across different channels.
- Day 1: AI call + SMS + email
- Days 2-3: SMS + email
- Days 4-7: Alternate channels daily
Weekly Nurture
Consistent weekly touchpoints with rate alerts, market updates, and check-ins. Channel rotation to avoid fatigue.
- Weekly email with rate insights
- Bi-weekly SMS check-in
- Monthly AI voice call
Monthly Touchpoints
Light-touch engagement that keeps you top of mind. Market updates, rate drop alerts, and milestone reminders.
- Monthly market update email
- Rate drop SMS alerts
- Quarterly AI voice check-in
Compliance Built In
Enterprise-grade compliance is not an add-on — it is built into every AI interaction.
Telephone Consumer Protection Act
Automatic quiet hours enforcement (8am-9pm local), prior express consent verification, and rate limiting on all outbound communications.
Equal Credit Opportunity Act
AI messaging is reviewed for fair lending language. No prohibited basis factors in any borrower-facing communication.
Do Not Call Registry
Real-time DNC scrub before every outbound call. Federal and state registry checks with freshness enforcement.
Application-to-Person Messaging
Registered campaign with carrier-approved throughput. STOP/HELP keyword handling with instant opt-out compliance.
Stop Losing Leads.
Start Closing More.
Every minute without Perennia AI is a lead that went to voicemail and never called back.