**Sources (with links) used for this article are compiled at the bottom. These sources would also be good for further reading/research into the topic.
MLOs juggle a ton of communication tasks, from marketing on social media to educating borrowers and updating real estate agents. What if you had a 24/7 assistant to draft all that content? Good news... ChatGPT or other LLMs can be that helper! In this article, we’ll share ready-to-use prompts that you can plug into ChatGPT/Large Language Models (LLMs) to save time and wow your audience. These prompts cover social media posts, rate-explanation emails, borrower education guides, and updates for your agent partners. We’ve also included tips on refining your prompts for the perfect tone, length, and audience. Let’s dive in and start prompting.
Social Media Posts
Consistent social media content keeps you visible and builds trust with prospects. The challenge is coming up with fresh ideas and wording, and that’s where ChatGPT/LLMs shine. In fact, many top-performing loan officers post about similar topics (homebuying tips, mortgage myths, success stories), just presented in unique ways. ChatGPT/LLMs can help you generate those posts in seconds, customized to your voice and audience. Whether it’s a Facebook update or a LinkedIn article, a well-crafted prompt will get ChatGPT to produce an engaging post that sounds like you wrote it on your best day.
Try These Prompt Ideas for Social Media Content
- “Create an Instagram post targeting first-time homebuyers with a friendly yet professional tone. Start with a catchy question or hook about saving for a down payment, and include a couple of emojis and #HomeBuyingTips hashtag.”
⮕ This prompt gets ChatGPT to write a concise, upbeat post that educates first-timers while fitting the Instagram vibe. - “Draft a Facebook post sharing a success story of a recent client who purchased their first home. Use an enthusiastic, conversational tone. Begin with a celebratory line (e.g. ‘Meet the Smiths, proud new homeowners!’) and end with a call-to-action for others to reach out.”
⮕ This prompt will have ChatGPT write a heartwarming testimonial post that builds credibility by showcasing a happy homeowner. - “Write a LinkedIn article (3 short paragraphs) that debunks a common mortgage myth. For example, ‘You need 20% down to buy a home.’ Adopt an informative and reassuring tone suitable for professionals, and include a stat or example to reinforce the message.”
⮕ ChatGPT/LLMs will generate a myth-busting mini-article that positions you as a knowledgeable resource while correcting misconceptions.
When prompting for social media, mention the platform and tone. For instance, “an upbeat TikTok script” vs. “a professional LinkedIn post” will guide ChatGPT/LLMs to match the style and length appropriate for each platform.
Rate Explanation Emails
Ever struggle to explain why interest rates moved or what “APR” really means in an email? You’re not alone. Clients appreciate loan officers who break down complex rate info into plain English, and ChatGPT/LLMs can help do it in seconds. Through feeding in the right prompt, you can get a clear, friendly explanation to send to a borrower, saving you time and making sure nothing is overlooked. The key is to describe the scenario and tone.
- Are you reassuring a nervous first-time buyer about rising rates?
- Explaining a rate quote to a savvy repeat client?
Tailor your prompt, and ChatGPT/LLMs will draft an email that educates and comforts.
Try These Prompt Ideas for Rate-Related Emails
- “Write an email to a first-time homebuyer who is worried about rising mortgage rates. Explain in simple terms why rates have increased recently and how it affects their buying power. Use a reassuring, educational tone, and end with an invitation to discuss their options.”
⮕ This prompt yields a compassionate email that demystifies rate changes (like recent Fed moves or market trends) in everyday language, helping calm your client’s fears. - “Draft a rate update email for a client pre-approved 3 months ago. Let them know rates have changed and what their new estimated payment might be. Keep the tone professional and helpful, and include a brief comparison (e.g., ‘rates are about 0.5% higher now’) to give context.”
⮕ ChatGPT’s response will be a concise update that keeps your borrower informed and shows you’re proactive in communicating changes.
Ask ChatGPT to use analogies or examples if your borrower isn’t financially savvy. For example, you could prompt, “Explain how interest works by comparing it to a price tag on money (like how a candy bar has a price).” This way, the AI will include a simple analogy (maybe something about a $100 “candy bar” loan costing $105 with interest) that makes a complex concept easy to digest.
Borrower Education Guides
Successful MLOs don’t just close loans. They educate their clients. Examples include a First-Time Homebuyer 101 pamphlet, a blog about improving credit, or a step-by-step mortgage process guide. Providing educational content sets you apart. The good news is you don’t have to author these from scratch. With the right prompts, ChatGPT/LLMs will happily serve as your ghostwriter for guides and articles, while you supply the expertise to tweak the final draft. You can request a certain format (bullet points, Q&A, story style) and tone (friendly teacher, professional advisor, etc.), and watch the AI generate a solid draft that you can refine and share with your borrowers.
Try These Prompt Ideas for Borrower Education Content
- “Outline a guide for first-time homebuyers on the steps of the mortgage process, from pre-approval to closing. Provide it as a simple list of 5–7 steps with plain-language explanations for each, in a warm, encouraging tone.”
⮕ This prompt gets ChatGPT/LLMs to produce a clear step-by-step roadmap (e.g., 1. Get Pre-Approved – explanation… 2. Home Search – explanation…) that you can turn into a handy PDF or blog post for clients. - “Write a short article (400 words) explaining the difference between fixed-rate and adjustable-rate mortgages for a buyer who has never had a home loan. Use a neutral, informative tone, like a helpful FAQ, and include an example of when each type might make sense.”
⮕ ChatGPT/LLMs will deliver a beginner-friendly article covering the basics of fixed vs. ARM, which you can publish on your website or use as a handout. It will likely include examples (e.g., a family that chooses a fixed rate for stability) to illustrate the points. - “Generate a list of 5 tips to improve a borrower’s credit score before applying for a mortgage. Write it in a casual, encouraging tone (as if speaking to someone who’s nervous about their credit), and format the output as a bulleted list for easy reading.”
⮕ The AI’s answer will be a set of actionable credit-improvement tips (like “Pay bills on time,” “Reduce credit card balances,” etc.) phrased in a positive way that empowers your client to take action.
If you need a particular format, tell ChatGPT/LLM upfront. Words like “outline,” “list of tips,” or “Q&A style” in your prompt will guide the AI to structure the content just how you need it. And always specify if it should target beginners or experienced readers, so the depth of detail is appropriate.
Agent Partner Updates
Realtor relationships are gold for purchase loan business. One way to nurture those relationships is by sending valuable, concise updates to your agent partners. These could be weekly emails about market trends, quick texts about rate changes, or a newsletter of lending news an agent would care about. The aim is to position yourself as a go-to resource (so that when they have a buyer, you are top-of-mind). ChatGPT can help you crank out these updates in a polished manner. When you provide the context (e.g., “a weekly market update email”) and key points you want to cover, the AI will draft a professional message that you can easily personalize. It’s like having a marketing copywriter on call...
Try These Prompt Ideas for Agent Partner Communications
- “Compose a weekly market update email I can send to my real estate agent partners. Summarize this week’s mortgage news. For example, a slight drop in interest rates or new loan program changes in 2 short paragraphs. Use a professional tone, and highlight how these updates could help their homebuyer clients (e.g. ‘higher FHA loan limits mean more buying power…’).”
⮕ This prompt will have ChatGPT/LLMs produce a neatly packaged update (perhaps something like “This week in mortgages: Rates have dipped slightly to an average of X%, good news for buyers! Also, FHA announced...”). It keeps agents informed and subtly reminds them you’re on top of industry changes. - “Draft a personalized check-in email to a top-producing Realtor partner. Thank them for a recent referral, share a quick insight (like ‘VA loans are especially popular this month’), and remind them I’m available for any weekend pre-approval calls. Keep the tone friendly and appreciative, and under 150 words.”
⮕ ChatGPT’s/LLM's draft will read like a thoughtful note that thanks the agent, offers a useful nugget of info, and reinforces your commitment to help, all in a concise format that respects the agent’s time. - “Create a one-page monthly newsletter for real estate agents. Include a brief interest rate trend update, one quick tip for helping first-time buyers get approved, and a highlight of a successful closing we had together. Write it in a knowledgeable but upbeat tone that conveys partnership.”
⮕ This prompt asks for a slightly longer format. The AI will generate a newsletter-style draft with subheadings (e.g., Market Rates Update, Tip of the Month, Success Story). This keeps your partners engaged and feeling valued.
Realtors are busy, so specify if you need a short message or bullet points. For example, prompting “give me 3 bullet points I can text to my agents about today’s rate drop” will result in a super-skimmable update perfect for a quick text or social media group.
Tips for Refining Your Prompts (Tone, Length & Audience)
Crafting the perfect prompt is an art. A little tweaking can take ChatGPT’s/LLM's output from good to amazing. Here are some tips to help you refine your prompts so the AI’s response matches exactly what you need...
Define the Tone
Be clear about the voice or style you want. Do you need a friendly and conversational tone for nervous first-time buyers, or a formal and authoritative tone for a luxury client newsletter?
Tell ChatGPT/LLM up front (e.g., “in a warm, reassuring tone” or “write in a confident, expert tone”). The model will adjust word choice and style accordingly so your message resonates with the target audience.
Specify the Audience
Your prompt should mention who the content is for, especially if they have unique needs. A prompt for first-time homebuyers might ask for simpler explanations or relatable examples, whereas a prompt for seasoned investors could assume more background knowledge.
You can even combine audience with style cues, like “Explain VA loans to a military veteran who is new to homebuying” or “Write for a busy real estate agent who just wants the key points.” The more specific you are about your readers, the more tailored (and effective) the output will be.
Set Length and Format Expectations
Don’t be shy about spelling out how much content you want or in what format. Phrases like “a brief 100-word email,” “in 5 bullet points,” “a two-paragraph summary,” or “an FAQs list” give ChatGPT a clear target.
This prevents overly long answers when you just needed a quick blurb (or vice versa). Specifying length and format gets you the content that fits your medium, whether it’s a snappy tweet (X Post), a one-page flyer, or a detailed guide.
Provide Key Details or Examples
If there are certain points you want covered, include them in your prompt. For instance, “mention that down payment assistance is available” or “include an analogy comparing interest to a price tag”.
You can also feed ChatGPT a short example of your preferred style if you have one (“Here’s an example sentence…”). Supplying a bit of context helps the AI align with your goals and reduces the need for revisions later.
Iterate and Refine
Treat ChatGPT as a draft generator. If the first output isn’t perfect, you can tweak your prompt or ask for adjustments. Try prompts like “Now make it shorter and more upbeat,” or “Can you list those email points as bullet points instead?”
The beauty of AI is that it’s patient. You can refine the instructions until the result is spot-on. Over time, you’ll develop a feel for prompt wording that consistently gives you great outcomes.
With these prompts and tips in mind, you’re ready to leverage AI as an extension of your team. We recommend continuing to research different prompts that are available out there. You'll even find plenty of prompts specific to the mortgage profession with a quick Google search (or you can even ask Chat GPT/LLM what prompts would work best for what you're aiming for.
Imagine freeing up hours each week. You can focus on building relationships and closing deals while ChatGPT handles the first draft of your content. Go ahead and steal these prompt ideas (we won’t tell!). Tweak them to fit your style, and watch how quickly you can generate compelling posts, emails, and guides. The bottom line is that when you prompt effectively, you’ll communicate more effectively with clients and partners, without breaking a sweat.
Happy prompting, and happy lending!
Sources
- Mortgage Advisor Tools – Leveraging ChatGPT for Mortgage Loan Officers: Boost Your Efficiency and Client Satisfaction – Describes how ChatGPT can generate high-quality content (blog posts, social media updates, emails) for loan officers to maintain a strong online presence.
- SocialCoach Blog – 45 Mortgage Social Media Post Ideas for Loan Officers (with Examples) – Provides popular content themes for LO social media (educational series, client testimonials, myth-busting, etc.) and emphasizes presenting common topics in engaging ways.
- National Mortgage Professional – “Your Smartest Intern: ChatGPT” by Katie Jensen – Shares insights from Shashank Shekhar on using ChatGPT for marketing, including an example prompt for a persuasive prospecting email using the “four Ps” framework (promise, picture, proof, push).
- Nasdaq/GOBankingRates – I Asked ChatGPT To Explain How Interest Rates Work Like I’m 12 – Demonstrates ChatGPT’s ability to simplify complex financial concepts using kid-friendly analogies (e.g., interest as the “price tag” on money), highlighting the importance of adjusting explanations to the audience’s level.
- Imagine with Rashid – How to Optimize Prompts Using ChatGPT – Emphasizes that specific prompts yield better results, advising users to include details about the desired format, tone, length, and target audience when crafting prompts for more precise and effective outputs.