Loandock SMS Opt-In Script & Consent Log

Purpose

Obtain borrower consent to receive one-to-one SMS notifications about their mortgage application (status updates, document requests, rate-lock confirmations, funding dates, and other account alerts).

Verbal Opt-In Script

Loan Officer:

Hello [Borrower Name], this is [Officer Name] from Loandock. If you'd like to receive text message updates about your mortgage application status—such as "application received," "document request," "approval notification," and "funding date reminder"—please say "Yes" now.

Borrower:

Yes

Loan Officer:

Thank you. You will receive SMS updates at this number. You can reply HELP for assistance or STOP to unsubscribe at any time.

Email-Based Opt-In

When we email borrowers an invitation to start their application, they may opt in by replying "YES" (case-insensitive). Any "YES" reply is recorded as consent.

SMS-Keyword Opt-In

Alternatively, borrowers can text any of these keywords to opt in via SMS:

YES, Y, START, CONFIRM, PROCEED

Upon receiving a valid keyword, we respond with:

Loandock: You are now opted in to receive status notifications via text. For help, reply HELP. To opt-out, reply STOP.

Sample Consent Log Entry

Date	Time	Officer	Borrower	Phone	Confirmation	CRM Record ID
2025-05-27	14:32 EDT	Jane Doe	John Smith	+1 555 123 4567	Yes	98765

All verbal and email-reply consents are stored in our CRM indefinitely to meet TCPA, CTIA, NMLS and CFPB requirements.