No. The system prompt forbids quoting current rates, APR, or estimated payments because those are licensed activities. The bot can describe how HELOC rates generally work (typically variable, often indexed to prime plus a margin) and how home equity loan rates are typically fixed, but every specific quote routes to a state-licensed LO with NMLS attached. Compliance should review the exact prompt language before launch.

Yes. This is the single most common question on home equity sites, and the bot handles it from your own product pages. It explains revolving vs lump sum, variable vs fixed, draw period vs repayment period, and the cases where each product makes more sense. It does not pick a winner for the specific borrower; that conversation routes to the LO once the file is scoped.

It explains CLTV as a concept and quotes the cap from your product page (commonly 80-90% depending on the lender and product). It does not project a specific borrowing capacity from a specific home value and first-mortgage balance because that depends on credit, DTI, the property's appraised value, and the lender's overlays. The LO produces the actual number once the file is in front of them.

Carefully. Consolidating credit card debt into a HELOC can make financial sense or not, depending on the borrower's situation, and that judgement is not the bot's to make. The bot explains how a secured line works at a general level, captures the borrower's circumstances, and routes the conversation to the LO. It never recommends consolidation as a strategy; that crosses into advice territory the bot is configured to avoid.

Yes. Run a HELOC-focused bot on /heloc, a home-equity-loan bot on /home-equity-loan, and a debt-consolidation framing bot on /debt-consolidation, each with its own prompt and knowledge sources. Multibot and 28+ display conditions handle the routing. Keeping prompts tight per product is the practical way to keep the framing consistent with what each page actually offers.

Claude Sonnet and GPT-4o both follow strict 'no rate quotes, no advice' system prompts reliably and handle the HELOC vs home equity loan distinction without confusing the two. Smaller models occasionally collapse the products together, which is a credibility problem on a lender site. Bring your own key for OpenAI, Anthropic, Google, or OpenRouter and pick based on your firm's risk tolerance and budget.

Yes. Every conversation stores in WordPress with timestamp, page URL, model name, and token count. CSV export is available for state examiner requests. The data never leaves your hosting except to call your own API key. Many lenders archive transcripts to their compliance system on a recurring webhook so the conversation log lives in the same evidence trail as advertising and customer email.

The bot captures occupancy intent early because second-home and investment HELOCs are meaningfully different products (different CLTV caps, different rate adjustments, fewer lenders offering them). It explains the general framing and routes the file to the LO with the occupancy flag attached. Misrepresenting occupancy is a serious file problem, so the bot frames the question carefully every time rather than assuming primary residence.