Reach every pre-approval lead before they go with someone else

Yes. Most brokers keep two separate lists: an active-pipeline file with quoted rates and target loan amounts, and a past-client database with close date, original rate, and property. Each list gets different templated messages but the same one-to-one delivery from your phone.

Carriers flag spam by pattern, not volume alone. Two things matter most: pacing (the app sends one message at a time with a brief gap between each) and conversation rate (legitimate two-way replies signal real use to the carrier). LOs sending to opted-in borrowers from their pipeline have not reported carrier issues in normal use. Buying a cold list and blasting it from your personal number is the behavior that triggers scrutiny.

Yes. Your brokerage's compliance team will likely want any client-facing communication approved or templated through their channels. The same applies to email. Text Your List is a tool you control on your own phone, so confirm your brokerage's policy on outbound texts from a personal number before sending, and bring template language to them for approval. Many wholesale shops are fine with broker-direct texts as long as NMLS and required disclosures are present.

Yes. Loan program is just another column in your CSV. Filter the list before each send. A VA-specific message about a new rate or a county loan limit update can go only to VA-eligible borrowers without touching your conventional pipeline. Same for FHA, USDA, jumbo, and second-mortgage segments.

DNC and TCPA apply to outreach with anyone you don't have an existing business relationship with. The clean use cases for Text Your List are your existing pipeline, past clients, and referral partners, all of whom already have an established relationship. Cold prospecting from a purchased list is high risk regardless of the tool. Stay on warm contacts and the regulatory friction is minimal.

Yes. The Pro plan exposes a webhook that your LOS, CRM, Make, or Zapier can call to trigger a personal text send. When Encompass moves a loan to "conditional approval," or ARIVE flips a borrower to "rate locked," your automation hits the webhook and the borrower gets a personal text from your phone with the relevant details merged in. Any platform that can call a URL (which is every modern LOS, CRM, and automation tool) can drive Text Your List as the messaging step in your workflow.

Yes. Add an NMLS field to your CSV or hard-code it into the template, and every outgoing text carries it. State-specific disclosure language can also be templated. Some states require additional language for solicitation texts. Your compliance team or state regulator's published guidance is the authoritative source for what to include.

A reply asking about rates does not by itself trigger TRID disclosure timing. TRID timing starts at the application stage, defined as the borrower providing the six required pieces of information (name, income, SSN, property address, estimated value, loan amount). A casual rate question is informational and can be handled like any conversation. When the conversation moves toward an actual application, that is when disclosure timing starts. Document the inquiry timestamp in your LOS to be safe.