Voice‑Powered Loans: How AI Helps Homebuyers Fast

Better. com, a company that uses artificial intelligence from the start, has built an AI voice helper called Betsy. Betsy talks to people who want a mortgage and can answer questions, check rates, and lock in prices. Each month the system handles about one hundred thousand phone calls. In 2025 alone, Betsy made nearly two million calls and saved the company more than one thousand six hundred sixty‑six hours of human work. The AI uses a speech‑to‑text engine, a large language model, and a text‑to‑speech voice. This mix lets the system respond quickly and keep control over every step that a borrower must do, such as credit checks or rate locks. All of these steps happen inside Better’s own software, called Tinman, so the company keeps full responsibility for compliance.

Because Betsy can do routine tasks, Better’s human loan officers now spend less time on simple follow‑ups. They can focus on helping customers with more complex questions and decisions. The result is a lower cost to start a loan, a doubling of the rate at which leads become locked loans in 2025, and more competitive rates for borrowers. The partnership with ElevenLabs, a firm that builds reliable voice agents, is key. ElevenLabs supplies the voice technology and ensures that the system stays stable even when many calls happen at once. Their platform can handle dozens of internal calls for a single conversation, which is essential in the mortgage industry where many rules must be followed. Overall, the AI voice system gives borrowers a natural, consistent experience. It lets customers get quick answers any time of day and helps the company run its mortgage business more efficiently.

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