Automated Borrower Messages

Lendiom sends a fixed set of messages to your buyers and tenants without anyone clicking a button. Some fire the moment something happens on a loan or rental. The rest run on daily jobs at set times. This is the complete catalog: what goes out, what triggers it, when it leaves, and on which channel.

If a message you expected never arrived, work through the automated message troubleshooting article. This page only covers what should happen.

The three conditions

No automated message reaches a client unless all three line up. Miss one and Lendiom stops without an error on your screen.

The loan or rental also carries a Communication Preferences list: SMS, Email, or both. Lendiom sends one copy per selected channel. A loan with automated communication on but nothing selected sends nothing.

Automated messages go to the client's primary entity by default. Switching Send Automated Messages To to All Entities in Client Communication Preferences sends every automated message to every entity under the client.

Loan payment messages

On a called-due balloon loan, the final lump sum is skipped by the upcoming, due-today, and late reminders and covered only by the balloon maturity tiers.

Down payment and setup fee messages

Reminder timing is evaluated by the Loan Data Integrity job at 12:30 AM, so these sit in the overnight queue and leave at 8:00 AM. See online down payments for the schedules themselves.

Automatic payment messages

When a buyer enrolls in auto draft through Lendiom Pay, Lendiom turns automated communication on for that loan and adds SMS to its preferences. See automatic payments.

Rental messages

Rentals have no upcoming reminder, only a due-today notice and a late notice.

Invoice messages

Invoices are billed to a client rather than to a loan or rental, so the Automated Communication switch on a loan or rental doesn't gate them. Each invoice carries its own delivery methods, email, text or physical mail, and falls back to email when none are chosen. The Communication Portal and per-channel opt-in conditions still apply.

Sending an invoice is a manual step. What happens without a click is everything after it: the delivery on every channel the invoice lists, the two reminder jobs, and the payment and cancellation notices.

An online payment that clears the balance still uses the payment successful notice, with a paid-in-full subject line. The separate paid-in-full notice belongs to payments recorded by hand.

Physical mail carries the invoice itself and nothing else. Payment, cancellation, and reminder notices go out on email and text only, even when the invoice lists mail as a delivery method.

Both reminder jobs read the schedule stored on the invoice: the days before the due date, and the days after it together with the maximum number of overdue notices. An invoice with no reminder days configured gets neither reminder.

Other automated messages

The property tax notice goes to the tract owner. When the tract is tied to a loan, that loan's automated communication setting and SMS preference are checked first; a tract with no loan is sent on the portal and opt-in conditions alone.

The address reminder is off until you pick a cadence in Client Communication Preferences. It skips buyers with no address on file and won't fire twice within a month of the same milestone.

The Lendiom Pay welcome text goes out once per client, so activating a second loan for the same client doesn't repeat it, and only when the Communication Portal is set up. Loans activated by the data importer skip it. You can also send the same text by hand from Send Info on the client's Lendiom Pay menu.

The approval notice follows a client change request being approved in the app. The email always goes out; the text is added only when the Communication Portal is set up. Like the welcome text, both are client-level and aren't gated by a loan or rental's Automated Communication switch.

Daily job times

Every job runs on the America/Chicago timezone. These times are fixed and can't be changed per organization. There's no setting for them.

Your organization's timezone still decides what counts as "today" for due-date comparisons, but the clock that starts each job is Central.

Quiet hours

Lendiom holds outbound messages generated between 10:00 PM and 8:00 AM Central and releases them the next morning: texts at 8:00 AM, emails at 8:05 AM. That's why the overnight jobs and the delivery times differ. The due-today reminder is decided at 2:30 AM but arrives at 8:00 AM. Messages you send by hand aren't held.

What is not covered here

Mailed letters are separate. Document automation for successful payments, late fee tiers, and payment reminders runs on the loan's or rental's own document automation configuration, so turning automated communication off doesn't stop a scheduled letter.

Document signature requests, reminders, and expiration notices are also separate. They follow the per-signer email and text flags on the request itself, and the expiration check runs every two hours rather than on a daily schedule.