How Loan Officers Use A.I. to Build a High-Converting GHL Workflow

If you have ever built a refinance nurture campaign from scratch, you know the truth: getting the trigger right, mapping the steps, writing the messages, and making sure it all loops cleanly can take hours. That is why GoHighLevel’s new “Build using AI” workflow feature is such a big deal. With one short prompt, you can generate the bones of a complete refinance rate watch workflow in about the time it takes to refill your coffee.

In this post, I will walk through a practical, loan officer friendly way to use it, plus the key edits that turn an AI generated draft into a clean, revenue producing refinance workflow.

What the AI Builder Does Well (And Where You Still Need to Lead)

The AI workflow builder is best at speed. It can quickly create a workflow with a trigger, a mix of SMS and email actions, and timed waits. In other words, it gets you a solid first draft.

Where you still need to lead is strategy and polish. The AI cannot read your mind, it does not know your exact process, and it will sometimes add steps you do not want, like contact update actions you do not need, counters you will never use, or survey logic that does not match your funnel. The goal is not to publish what it builds without thinking. The goal is to let it do the heavy lifting, then you tighten it up.

Step 1: Confirm You Have Access to “Build Using AI”

Inside GoHighLevel, head to Automations and then Workflows. If you do not see “Build using AI,” your agency owner likely needs to enable the workflow AI feature for your account.

Once it is visible, you can start a new workflow and choose the AI option.

Step 2: Use a Short, Clear Prompt That Produces Better Output

One of the biggest lessons from early testing is that shorter prompts often work better than long, detailed documents. Instead of trying to write a three page master plan, give the AI one clear mission.

Here is a simple prompt that works well for a refinance rate watch campaign:

After someone submits a form or survey, build a refinance email and SMS campaign that updates them on the current interest rate every week. About once per month, ask them to book a 15 minute numbers audit call with me. Do not label messages as week 1 or week 2.

That is it. Simple, direct, and aligned with the outcome you want.

Step 3: Clean Up the Workflow So It Matches Your Intent

Once the AI generates the workflow, review it like an editor, not like a spectator. Common fixes include:

Remove unnecessary actions
If the contact is already created by the form or survey submission, you can delete any “create or update contact” actions the AI added.

Keep tagging, skip the busywork
A refinance campaign tag is useful for reporting and future segmentation. Keep that. But if the AI adds counters or week trackers you are not using, delete them.

Send the first rate update immediately
Move your first email and SMS to day zero so the lead gets value the moment they raise their hand. This also sets the tone that you are proactive.

Avoid weekly pressure, use monthly calls to action
A strong structure is four weekly rate updates where only the first message includes the calendar link and call invite. The remaining weeks deliver rate context and light education without pushing for a meeting every time. Then, after four weeks, loop back to the first message that includes the numbers audit invitation.

Step 4: Use a Custom Value for “Current Interest Rate”

A refinance rate watch campaign lives or dies on relevance. The cleanest approach is to use a custom value field like “Current Interest Rate” and insert it into your email and SMS templates.

Then, once per week (many loan officers choose Monday), you simply update that custom value in GoHighLevel. Every message in the workflow automatically pulls the newest number when it sends. You get consistency without rewriting copy every week.

Step 5: Make Sure Your Calendar Link Actually Populates

If your workflow uses an appointment calendar link, assign the workflow to the correct user. Without assigning it, the user calendar link merge field may not populate correctly. This is a small detail that can break your call to action if you skip it.

Step 6: Automatically Remove Leads From Rate Watch When They Book

This is the professional touch that keeps your nurture clean.

Create a second workflow with a trigger like: appointment status confirmed for your refinance consultation calendar. Then add an action to remove that contact from the rate watch workflow. Once someone books, they should stop receiving weekly rate updates and move into your appointment and follow up process.

Why This Works for Refinance Leads

Refinance prospects rarely need more information. They need timing and confidence. A weekly rate update creates micro decisions: “Do I wait, or do I run the numbers?” The monthly 15 minute numbers audit invite gives them a low friction next step without feeling pushed.

You are not chasing them. You are staying present, staying helpful, and making it easy for them to raise their hand when the rate or their situation changes.