Yes, if the person submitted your quote form and the form carried clear consent wording for calls and texts that names your brokerage. GoHighLevel can text the shopper within minutes, create a call task, and stop when the shopper replies. The bottom line: since March 2026, a lead that comes from a form the borrower filled in is worth more than one bought from a credit bureau, and it is the only kind that was ever safe to text.
What changed in 2026
The Homebuyers Privacy Protection Act was signed on September 5, 2025, and took effect on March 5, 2026, according to the National Association of Mortgage Brokers and HousingWire. It amends the Fair Credit Reporting Act so credit bureaus cannot furnish mortgage trigger leads, which are the alerts sold to other lenders after a borrower's credit is pulled for a mortgage, unless the receiving company has the consumer's documented consent, or is the originator or servicer of the consumer's current mortgage, or is a depository institution or credit union with a current account with the consumer, and makes a firm offer of credit. A summary from Captain Compliance adds that the law directs a GAO study of trigger leads delivered by text message. Brokers who relied on bought lists now depend on first party leads, such as your own quote form.
What the form must say
Texting a marketing message needs prior express written consent. The FCC's 2024 order lets people revoke consent by any reasonable means, and a September 2026 revision changed parts of that rule, so confirm the current version with counsel. A practical form has an unchecked box with wording such as: By checking this box, I agree that [Brokerage] may call and text me about my mortgage request at the number I provided, including with automated technology. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out. Keep a record of the time, the page, and the wording.
Speed matters, and the data is old
A Harvard Business Review article, The Short Life of Online Sales Leads, found that firms that contacted a web lead within an hour were far more likely to qualify it than those that waited longer. The study is from 2011, so treat it as a direction and measure your own response times.
Build it in HighLevel
- Build the quote form with the fields you need to give a useful answer: loan purpose, property state, estimated price, down payment, and credit range, plus the consent checkbox.
- On submit, create an opportunity, tag the contact with the consent and the form name, and route it to the loan officer licensed for the property state.
- Send a text within a minute: who you are, what you received, and what happens next. Create a call task due in 5 minutes during business hours.
- Wait 1 day. If the shopper has not replied, send one follow up that offers two call times.
- Wait 3 days, send a last short message, and stop. Turn on Stop on Response throughout.
- If the consent box is empty, skip the text and send an email only.
- Review consent records monthly for the form wording that was shown.
The first text, written out
Sample: Hi Alex, this is Jordan at [Brokerage], NMLS [number]. I got your request for a mortgage quote. Do you have a few minutes to talk today, or would you prefer a time tomorrow? Reply with what works. Reply STOP to stop messages. The text names no rate and no payment. If your state requires your NMLS number in solicitations, include it.
Worked example
A broker whose quote form produces 120 leads a month and who reaches 70 percent of them by phone within 10 minutes of the text will speak to 84 shoppers (120 times 0.7). If 20 percent of those take a pre approval application, that is about 17 applications (84 times 0.2). Both percentages are assumptions to replace with your own.
What not to do
Do not send a quote, a rate, or an APR by text, since quotes trigger disclosure and licensing rules. Do not text numbers that were not given by the shopper on your form, and do not add the shopper to a marketing list unless the consent wording covers it.
Business hours and the after hours reply
A form submitted at 9 p.m. should not produce a call task for 9 p.m. Add an If/Else on business hours: during hours, text and create the 5 minute task, and after hours, text a short note that a loan officer will call the next business morning and create the task for the opening time. The after hours text should say the time, so the shopper is not left wondering, and it should offer a way to reply if the shopper prefers a different time.
What changed for first party leads
Before the 2026 law, a borrower who applied for a mortgage could expect a wave of calls and texts from other lenders who had bought the inquiry. After it, a broker's quote form is more likely to be the first contact the shopper expects, because the shopper asked for it. That favors brokers who respond fast and clearly, and who send fewer messages. A three message sequence that stops when the shopper answers is the right size.
How this was handled before
Many brokers bought trigger leads and called the borrowers directly, which is exactly the practice the law restricted. A first party form with consent produces fewer leads, and each is a person who asked.
What to measure
Track form submissions, texts sent, replies, calls reached, applications taken, and opt outs. Compare forms and traffic sources by applications, not by leads.
Questions people ask
Are mortgage trigger leads banned?
The Homebuyers Privacy Protection Act, effective March 5, 2026, restricts credit bureaus from selling trigger leads unless the buyer has the consumer's consent or an existing relationship and makes a firm offer of credit.
Can a broker text someone who filled out a quote form?
Yes, if the form clearly obtained consent for calls and texts from your brokerage, and you keep a record of it.
Should the first text include a rate?
No. Ask for a call, and give the quote in a conversation that follows your disclosure and licensing rules.
You can start a GoHighLevel account here to build the form and the first reply sequence, and see forms and workflows together in our capabilities demo.