The AI agent engages website visitors in a guided conversation, asking for their estimated property value, outstanding mortgage balance, and any existing liens. It calculates available equity based on your institution's loan-to-value parameters and captures the borrower's contact information and intended use of funds. The result is a qualified lead delivered to your lending team with a complete equity profile, rather than a raw form submission that still needs extensive follow-up to assess viability.

The agent collects estimated home value, current mortgage balance, property type, property location, intended use of equity funds, credit score range, and preferred contact method. You can customize which fields are required versus optional based on your institution's intake process. All collected data integrates directly into your CRM or loan origination system through native Salesforce, HubSpot, or Zapier connections.

Yes. Tars is SOC 2 Type 2 certified, ISO 27001 compliant, and GDPR ready. All data is encrypted in transit and at rest. For lending institutions subject to GLBA (Gramm-Leach-Bliley Act) requirements around consumer financial data protection, the Tars platform provides the security infrastructure your compliance team expects, including access controls and audit logging.

Yes. You can configure the agent to ask borrowers about their preferred repayment structure, whether they need a lump sum or a revolving credit line, and how they plan to use the funds. Based on these responses, the agent routes leads to the appropriate product team and provides borrowers with relevant information about each option, helping them self-select before they ever speak with a loan officer.

Static calculators provide a number but do nothing to capture the lead. Most borrowers use the calculator, see the result, and leave without ever identifying themselves. A conversational AI agent keeps borrowers engaged by making the calculation process interactive, explains what the numbers mean in plain language, and naturally collects contact information as part of the flow. Lenders using conversational calculators typically see 2-3 times more identified leads from the same page traffic.

The Tars platform integrates natively with Salesforce and HubSpot for CRM delivery, and connects to over 1,000 additional tools through Zapier. For lending-specific workflows, you can push leads directly to your loan origination system, trigger automated follow-up sequences in your marketing platform, or post lead data to custom webhooks that feed your internal systems. Google Calendar integration is also available for scheduling follow-up calls.

Most lending institutions have their agent live within a day. Configuration involves setting your LTV parameters, customizing the conversation flow to match your product offerings, and embedding a single line of code on your website. No development team is needed, and the Tars visual editor allows your marketing team to make adjustments to the conversation flow, qualifying questions, or product descriptions at any time.

Yes. The agent can be configured to ask about first mortgages, second mortgages, and any other existing liens against the property. It factors all outstanding balances into the equity calculation so borrowers receive an accurate picture of their available equity. This is particularly important for lenders offering second-lien home equity products, where understanding the combined loan-to-value ratio is critical to underwriting decisions.