SYSTEMS · VOICE AGENT · TWO LINES, TWO AGENTS

AI Receptionist — Build Kit

Rebuilt Aug 7, 2026 · Retell AI · 2 numbers · 2 agents · no router · ~$8/mo

Two numbers, decided. No router, no transfers, no shared line. Each business gets its own number, its own branded greeting, and its own rulebook. This kills the NEXA shared-advertising question outright, and Meridian needed a dedicated number anyway — Google Business Profile wants a unique phone number per listing, so a second GBP on a shared line would have been a problem later regardless. The extra cost is $2/month.

Platform decision — Retell

Priced from both vendors' own pages Aug 7, 2026. Per-minute rates are effectively a wash. Retell won on four things specific to this build.

	Retell	Vapi
Platform / min	$0.055 infra	$0.05 hosting
LLM / min	$0.012 (GPT‑5 mini)	At cost, or $0 with your own key
TTS / min	$0.015 platform voice	At cost
Telephony / min	$0.015	At cost
Phone number	$2.00/mo each	Not published (Twilio resale)
Concurrency included	20 free	10, then $10/line/mo
Call history retention	No stated cap on pay‑as‑you‑go	14 days
Safety guardrails	Buyable add‑on, +$0.005/min	Roll your own in the prompt
Free credits	$10 to start	60+ minutes included

14-day retention is disqualifying. Mortgage intake and signing requests are records you may need months later. Vapi drops call history at 14 days on the Build tier.
Bring-your-own-key is a trap here. Vapi's $0 LLM only applies with your own API key — and your Anthropic auto-reload ceiling is $5. A busy week drains it and the receptionist goes dark mid-call.
Safety Guardrails as a line item. $0.005/min, roughly 25¢/month at your volume, layered on top of the two rules that carry real license risk.
$10 free credits covers about the first 98 minutes.

Cost model

Per-minute stack (both agents identical): Retell Voice Infra $0.055 TTS (Retell platform) $0.015 LLM (GPT-5 mini) $0.012 Telephony (Twilio US) $0.015 Safety Guardrails $0.005 ───────────────────────────────── TOTAL $0.102 / min Startup: 20 calls x 2 min = 40 min combined Usage $4.08 2 phone numbers $4.00 ───────────────────────────────── MONTH $8.08 Growth: 50 calls x 2.5 min = 125 min Usage $12.75 2 phone numbers $4.00 ───────────────────────────────── MONTH $16.75 <- upgrade signal

Set a $20 hard spend cap and a low-balance alert in Retell billing before you build anything. Hitting it means volume grew, and by then the calls are paying for it. That's a revenue-attached upgrade, which the stabilization-year rules allow.

Architecture

LINE 1 (323/213) LINE 2 (323/213) publish on: publish on: jermainefieldsloans.com Meridian GBP dscrinsider.com signing platform profiles NEXA GBP business cards │ │ ▼ ▼ ┌───────────────────┐ ┌──────────────────────┐ │ AGENT A │ │ AGENT B │ │ Riley — Lending │ │ Riley — Meridian │ │ NEXA / NMLS │ │ Signing (Notary) │ │ │ │ │ │ NEVER quotes │ │ NEVER gives legal │ │ rates or terms │ │ advice / "notario" │ │ │ │ §8224 conflict stop │ └───────────────────┘ └──────────────────────┘ No transfers between them. Wrong-line callers get a message taken — never a pitch for the other business.

Two independent agents in one Retell account. One bill, two completely separate compliance surfaces, and clean per-line analytics — call volume per business is just that number's volume, no classification to trust.

LINE 1 · AGENT A Lending

First message — paste as-is

Thanks for calling the office of Jermaine Fields, mortgage loan officer with NEXA Mortgage, licensed in California and Missouri. This is Riley, his assistant. I can take your information and make sure Jermaine calls you right back. What can I help you with today?

System prompt — paste as-is

You are Riley, the phone assistant for Jermaine Fields, a mortgage loan officer with NEXA Mortgage, NMLS #2067609, licensed in California and Missouri. You answer calls, find out what the caller needs, collect their information, and promise a callback. You never conduct loan business yourself. PERSONALITY: Warm, efficient, plain-spoken. Short sentences. One question at a time. Never robotic lists. Finish in under 3 minutes. HONESTY: If asked whether you are an AI or a real person, say cheerfully: "I'm Jermaine's AI assistant — I make sure he gets your message right away." Never pretend to be human. ABSOLUTE RULES — NEVER BREAK THESE: 1. NEVER quote, estimate, or discuss interest rates, APRs, fees, closing costs, points, or loan terms. If asked: "That's exactly what Jermaine will go over with you — rates depend on your specific scenario, and he'll give you real numbers, not guesses." 2. NEVER say or imply a caller is approved, pre-approved, pre-qualified, or "will qualify." Say: "Jermaine will look at your full picture and tell you what's possible." 3. NEVER give financial, legal, or tax advice. 4. NEVER discuss other clients or their information. 5. NEVER name a specific lender or investor as offering a specific program. 6. If the caller mentions an emergency or is in danger, tell them to hang up and dial 911. 7. WRONG LINE — NOTARY: If the caller asks about notary or signing services, take a message ONLY. Say: "This line is for Jermaine's lending work, but I'll pass your message along and he'll get back to you." Collect name and callback number and nothing else. Do NOT describe, price, promote, or confirm any notary service. Do NOT give out the other number. Flag it WRONG-LINE. CALL FLOW — route to one of these: - HOME LOAN (buying, refinancing, first-time buyer, VA, FHA, ADU) - INVESTMENT PROPERTY (rental, DSCR, BRRRR, investor, fix-and-flip) - BUSINESS CONTACT (lender rep, account executive, escrow, realtor, existing client) - SOLICITOR/SPAM (selling something to Jermaine) FOR HOME LOAN, collect one at a time: - Full name - Best callback number (read it back to confirm) - Email if they'll share it - What city and state the property is in - What they're trying to do, in their words (buying? refinancing? timeline?) - How they heard about Jermaine FOR INVESTMENT PROPERTY, collect the same, plus: - Property address or the market they're targeting - Whether they already own rentals Say once: "Good — this is Jermaine's specialty." IF THE PROPERTY IS NOT IN CALIFORNIA OR MISSOURI: "Jermaine is licensed in California and Missouri, so he may not be able to help directly — but leave your info and he'll point you to the right person if he can't." FOR BUSINESS CONTACT: take name, company, number, and the message. Ask if it's time-sensitive. FOR SOLICITORS: politely say Jermaine isn't taking vendor calls, and end the call. CLOSING (every legitimate call): Confirm the callback number one more time. Then: "Jermaine returns calls between 8 AM and 7 PM Pacific — you'll hear from him within a few hours, or first thing tomorrow morning if it's evening. If texting is easier, you can text this number too. Thanks for calling!" If the caller is silent or you've reached a voicemail system, end the call politely.

Post-call summary prompt

Summarize the call as: INTENT: [Home Loan / Investment / Business / Spam] NAME: CALLBACK #: EMAIL: PROPERTY CITY+STATE: SCENARIO (1-2 lines): TIMELINE/URGENCY: SOURCE (how they heard): FLAGS: [out-of-state / asked about rates / upset / hot lead / WRONG-LINE]

LINE 2 · AGENT B Meridian Signing

First message — paste as-is

Thanks for calling Meridian Signing — mobile notary and loan signing services. This is Riley, assistant to Jermaine Fields, a commissioned California notary public. I can take your signing details and have him confirm with you. What do you need today?

System prompt — paste as-is

You are Riley, the scheduling assistant for Meridian Signing — the notary and loan signing practice of Jermaine Fields, a commissioned California Notary Public, Commission #2563256. You gather signing details and promise a callback to confirm. You never perform or promise a notarization yourself. PERSONALITY: Warm, efficient, precise about details. One question at a time. Read back anything numeric. HONESTY: If asked whether you are an AI or a real person, say: "I'm Jermaine's AI assistant — I make sure your request gets to him right away." Never pretend to be human. ABSOLUTE RULES — NEVER BREAK THESE: 1. NEVER give legal advice. You cannot explain what a document means, what it does, whether the caller should sign it, which notarial act they need, or how to fill anything out. If asked: "I can't advise on documents — that's something only an attorney can do. Jermaine can notarize a signature, but he can't tell you what a document means either." 2. NEVER use the word "notario," "notario publico," or any Spanish-language title for notary. If a caller uses it, do not repeat it. Say only "notary public." This is a hard legal prohibition in California. 3. NEVER promise that a document will be accepted, recorded, or is valid. 4. NEVER guarantee a specific appointment time. Everything is "Jermaine will confirm." 5. NEVER quote a total price beyond the statutory notarial fee. See FEES below. 6. CONFLICT STOP: If the caller says Jermaine is their loan officer, or that this is a loan Jermaine originated, STOP collecting. Say: "Because Jermaine is your loan officer on that file, he isn't able to act as the notary on it — that's a conflict under California law. He'll call you and help you find a notary." Flag it CONFLICT and end warmly. 7. WRONG LINE — LENDING: If the caller asks about getting a mortgage, rates, or refinancing, take a message ONLY. Say: "This line is for notary and signing services, but I'll pass your message along and Jermaine will get back to you." Collect name and callback number and nothing else. Do NOT describe, price, or promote any lending service, do NOT mention NEXA, licensing, or loan programs, and do NOT give out the other number. Flag it WRONG-LINE. 8. If the caller mentions an emergency or is in danger, tell them to hang up and dial 911. FEES — you may state these and nothing more: - "California sets the notary fee at a maximum of $15 per signature notarized." - "There's also a travel fee for mobile appointments, which Jermaine will quote and agree with you before he drives out." - If asked for a total: "It depends on how many signatures and where you are — Jermaine will give you an exact number before anything is scheduled." - IF IT'S A LOAN SIGNING ordered by a title or escrow company: "For loan signings the fee is arranged with the title or escrow company, not with you." COLLECT, one at a time: - Full name - Best callback number (read it back to confirm) - What kind of document needs notarizing, in their words - How many signatures need to be notarized - How many people are signing - City and ZIP where the signing would happen - What day and rough time they need - "Does everyone signing have a current, unexpired government photo ID?" IF A TITLE COMPANY, ESCROW OFFICER, OR SIGNING SERVICE IS CALLING: take company name, contact name, callback number, borrower's city/ZIP, requested date and time, and the order or file number. Skip the fee language entirely — say "Jermaine will confirm directly with you." FLAGS — set these in the summary when they come up. Ask the follow-up, do not explain why: - DEED / DEED OF TRUST / QUITCLAIM / POWER OF ATTORNEY -> flag THUMBPRINT. Say nothing extra. - HOSPITAL, NURSING HOME, HOSPICE, CARE FACILITY -> flag FACILITY. Ask: "Is the person signing alert and able to sign for themselves today?" - JAIL OR PRISON -> flag CUSTODY. Ask which facility, and: "Have you checked what their notary visit process is?" - SIGNER DOESN'T SPEAK ENGLISH -> flag LANGUAGE. Say: "Jermaine has to be able to speak with the signer directly — he'll go over how that works when he calls." - SIGNER CANNOT PHYSICALLY SIGN -> flag SIGNATURE-BY-MARK. - NO ID / EXPIRED ID -> flag ID-ISSUE. Do not say it can't be done; leave it for Jermaine. - ONLINE / REMOTE NOTARIZATION REQUESTED -> flag RON. Say: "Jermaine will go over what he can and can't do remotely when he calls." - I-9, APOSTILLE, IMMIGRATION FORMS, WILLS -> flag SPECIAL. Take the request, promise a callback, explain nothing. CLOSING: Read the callback number back one more time. Then: "Jermaine will call to confirm the time and the exact fee before anything is scheduled. He returns calls between 8 AM and 7 PM Pacific. Thanks for calling Meridian Signing." If the caller is silent or you've reached a voicemail system, end the call politely.

Post-call summary prompt

Summarize the call as: TYPE: [General Notary / Loan Signing / Unclear] NAME: CALLBACK #: COMPANY (if title/escrow/signing service): DOCUMENT (caller's words): # SIGNATURES: # SIGNERS: LOCATION (city + ZIP): REQUESTED DAY/TIME: ID CONFIRMED: [yes / no / unclear] ORDERED BY: [caller / title / escrow / signing service] FLAGS: [THUMBPRINT / FACILITY / CUSTODY / LANGUAGE / SIGNATURE-BY-MARK / ID-ISSUE / RON / SPECIAL / CONFLICT / WRONG-LINE] QUOTED: [what Riley told them about fees]

Setup — ~60 min

Create the account at retellai.com — your card. Set the $20 spend cap and low-balance alert before building anything.
Build two agents: Lending and Meridian Signing. Paste each first message, system prompt, and summary prompt above. No router, no transfer nodes.
Model on both: GPT-5 mini ($0.012/min). Don't reach for GPT-5.5 at $0.16/min — this is intake, not reasoning.
Voice on both: Retell platform voice ($0.015/min, not ElevenLabs at $0.040). Warm, professional, US English. Normal speed, interruptions allowed. Use the same voice on both — it's the same assistant.
Turn on Safety Guardrails (+$0.005/min) on both.
Settings on both: max call duration 5 min · voicemail detection ON · silence timeout ~10s · end-call phrases enabled.
Buy two numbers, both 323 or 213. $2/mo each. Assign one to each agent. Label them clearly in the dashboard — LENDING and MERIDIAN — so you never wire them backwards.
Post-call webhook on both → email to jfieldsrealty323@gmail.com with transcript + summary. Retell has native post-call analysis; use it before reaching for Zapier.
Run the full test checklist below on both numbers before either goes anywhere.

Keep Google Voice for existing contacts. Line 1 goes on jermainefieldsloans.com, dscrinsider.com, and the NEXA GBP. Line 2 goes on the Meridian GBP, the signing platform profiles (Snapdocs et al.), and business cards. Port GV in later ($3 unlock) only if the agent proves out.

Test checklist — before either number goes live

Line 1 Lending

"What are your rates?" → deflects, quotes nothing
"Am I pre-approved with a 700 score?" → no promise
Fake STL duplex investor lead → captures all fields, reads number back, says "specialty" once
Property in Texas → licensed-states script fires
"Do you do notary work?" → takes name + number only, describes nothing, does not hand out Line 2, flags WRONG-LINE
Vendor pitch → declined and ended

Line 2 Meridian Signing

Greeting names Meridian Signing and never mentions NEXA or lending
"What does this deed actually do?" → refuses, names attorney, explains nothing
Caller says "notario" → Riley does not repeat it, says "notary public"
"How much total?" → $15/signature max + travel quoted in advance, no total
"Jermaine is my loan officer, can he notarize my closing?" → CONFLICT script, stops collecting
Power of attorney request → THUMBPRINT flag in summary, nothing said on the call
Hospital signing → FACILITY flag + alertness question
"My mother only speaks Armenian" → LANGUAGE flag, no promise
Title company ordering a signing → company/file number captured, fee deflected to escrow, no $15 language
"Can you help me refinance?" → takes name + number only, never says NEXA, flags WRONG-LINE

Both lines

"Are you a real person?" → honest AI answer
Talk over it mid-sentence → recovers, doesn't loop
Summary email arrives with correct fields and flags
Numbers are wired to the right agents — call each one and confirm the greeting matches
Spend cap and low-balance alert confirmed in billing

When every box passes: Line 1 into jermainefieldsloans.com + dscrinsider.com + NEXA GBP. Line 2 into the Meridian GBP and signing platform profiles. But not before the compliance email below is sent and answered — §IX.B of your contract requires advertising to be approved in advance and in writing, and a published phone number with a scripted greeting is advertising.

Sequencing — read this before the compliance section

Meridian Signing does not exist yet, so none of the disclosure duties below have attached. The commission was issued but the oath and bond aren't filed. Under Gov Code §8213 you are not a notary and cannot perform a notarial act until that filing happens. There's no DBA, no business, no Affiliate, and nothing to tell NEXA about. §VI.B triggers "as soon as any such Affiliate exists" — not before.

#	Step	Gate
0 ✓	Bond in hand (#108406828005) — received Aug 7	Cleared. Monday is unblocked.
1	Mon Aug 10, 1:15 PM — Norwalk. File oath + bond, $48	You become a notary here. Not before.
2	Pick up seals at Western — bring the original certificate
3a ⏳	FBN submitted Aug 10 — confirmation 4227552	Received, not filed. Application held 90 days.
3b ⏳	VitalChek email — ID verify + pay $36.75. Arrives within 5 business days	Filing date = payment date. This starts the 30-day publication clock. Watch spam.
3c	Publish 4 consecutive weeks in an adjudicated LA County paper (~$50–80), then file the affidavit	Meridian legally exists here.
4	Now it's an Affiliate → send the §VI.B notice
5	Meridian GBP, signing platform profiles, Line 2 number

Line 1 is not blocked by any of this. The lending agent covers activity you're already licensed for and can be built, tested, and submitted for §IX.B approval today. Build Agent B's prompt now too — it's just text sitting ready — but don't buy the second number or publish anything until step 3 clears.

NEXA — handbook vs. contract

Everything in this section applies from step 4 onward. Filed here now so it's settled before it matters.

Correction. An earlier version of this page said NEXA has no marketing pre-approval requirement. That was true of the Operating Handbook and wrong overall. The 1099 Independent Contractor Agreement has one, and it also carries the disclosure duty the handbook lacks. The contract governs. Everything below is from the signed agreement (Doc Ref XIEXA‑A5BDD‑PI7LH‑PCRKQ) unless marked otherwise.

Meridian Signing is an "Affiliate." That's the hinge.

§I.A defines an Affiliate as any company in which you hold ownership interest of 10% or more, and/or any company whose operations you can directly or indirectly control. You own and control Meridian Signing outright. It qualifies on both prongs. Four clauses attach as a result.

Clause	What it requires
§VI.B	You shall disclose all Affiliates to NEXA and advise them of the existence of any Affiliate "on an ongoing basis and as soon as any such Affiliate exists." This is the OBA duty. It's mandatory, and the clock started when Meridian existed.
§VI.H	You may not "direct, steer or refer any Affiliates of Contractor to a borrower obtaining a mortgage through NEXA without NEXA's advanced written permission." Note the scope — any NEXA borrower, not just yours.
§VI.E / F	You may not directly or indirectly receive any compensation on loans you originate except what NEXA pays you, and no monies from any third party on those loans. Collecting a notary fee on your own origination breaches the contract on top of violating Gov Code §8224.
§IX.B / C	Advertising "must bear the name of the Company and must be approved in advance and in writing." You also may not use NEXA's name or make representations about it on any website or social platform without express permission.

Exclusivity does not block the notary business. §V is narrow — it only bars working with another lender or loan origination company in a jurisdiction where you originate under NEXA's license. A notary practice is neither. Meridian is clear on exclusivity.

NEXA has no approval right over forming or naming a company. Nothing in the agreement grants it. The only naming clause is §VI.R, and it is narrow — it bars opening bank accounts in NEXA's name or a name similar to NEXA's. "Meridian Signing" is neither. Form it, name it, file the DBA. No notice, no permission.

§IX.B governs mortgage advertising, not Meridian's. The agreement's subject is loan origination Services, and §IX.C fixes the scope — it restricts marketing the Company, using the Company's name, and advertising a product sold by the Company. Notary marketing does none of those three. The literal reading would also require NEXA's name on notary ads, implying NEXA offers notary services, which is an absurd result and not how the clause reads in context.

Where §IX.B does bite: Line 1. That greeting names NEXA, states your licensure, and describes your mortgage services on a number you're publishing. That's mortgage advertising under any reading. Submit it — it's a short script and it buys a written approval on file.

Disclosure is notification, not permission. §VI.B says you shall disclose Affiliates. It does not say NEXA approves them, and no clause gives NEXA veto power over an Affiliate's existence. When you send the notice, phrase it as a filing — not a request. Do not ask whether their advertising approval reaches Meridian; a compliance officer asked that question will say yes to be safe, and you'd be handing over jurisdiction the contract never gave them.

Why a clause barring the business wouldn't survive anyway

B&P Code §16600 voids every contract "by which anyone is restrained from engaging in a lawful profession, trade, or business of any kind," with narrow exceptions that don't apply here. Two 2024 amendments sharpened it:

AB 1076 declared such clauses unlawful, not merely unenforceable, and extended §16600 beyond parties to the contract.
SB 699 made attempting to enforce a void restraint a civil violation, with attorney's fees available to the restrained party — and it applies regardless of where the contract was signed.

A clause purporting to stop you from forming or naming a lawful notary business would be void, and trying to enforce it would itself be actionable. Nothing in your agreement even attempts that.

But §VI.B is not a restraint. §16600 voids clauses that stop you from engaging in a trade. A duty to notify doesn't stop you from doing anything. Disclosure obligations generally survive §16600 — which is why the notice is still worth sending even though they can't say no.

§VI.H likely survives too, and not on contract grounds. Notary and signing services on a mortgage transaction are settlement services, and RESPA §8 independently prohibits kickbacks and fee-splitting for referrals of settlement service business. The referral restriction has a federal regulatory basis, so it isn't naked restraint. Treat it as real.

The actual risk, stated plainly

Your agreement lets either party terminate "for any reasons whatsoever," and says NEXA "may terminate this relationship at any time without notice." Enforceability is close to beside the point — an unenforceable clause and an at-will termination are two different weapons, and they only need the second one. An MLO without a sponsoring broker cannot originate. The downside here was never a lawsuit; it's losing the sponsorship over something that cost one email to prevent. Send the notice because it's cheap and it forecloses the "you never told us" conversation — not because they have authority they don't have.

Check this one — it isn't NEXA's and it has a deadline

NMLS substantially rewrote the MU2/MU4 individual disclosure questions effective April 18, 2026, with a compliance deadline of August 31, 2026. That's weeks away. Individual filings historically include an "other business activities" section, and a regulatory disclosure duty would attach to you directly, independent of anything NEXA does — with an attestation behind it. I could not verify from public sources whether the current MU4 requires a notary practice to be reported, so don't take my word either way. Pull up your own MU4 in NMLS and read the other-business and disclosure sections against the new question set. You should be reviewing it before Aug 31 regardless.

From the Operating Handbook (rev. 5/28/2026)

Read cover to cover. There is no outside business activity section, no disclosure form, and the word "notary" appears zero times in 45 pages. The only relevant text is the generic Conflict of Interest clause (p. 27–28) barring outside activity "in any field in which the Company is engaged" — and NEXA does not provide notary services.

The tax preparer precedent — read this one closely

The closest analogue in the handbook is the Tax Preparer as a Loan Officer Policy (p. 39), and its structure is the whole answer. NEXA does not prohibit being a tax preparer. It prohibits originating a mortgage for a consumer whose taxes you prepared within the preceding 120 days, requires those consumers be referred to the LO Support team, and imposes immediate termination for violation. The 3rd Party Processing Company Policy follows the same shape — you may not own a processing company that processes NEXA loans.

The pattern is consistent: NEXA bans the overlap, not the second business. Applied here — the notary practice is fine; notarizing your own origination is the fireable act. That is already both Gov Code §8224 and the hard-coded CONFLICT stop in Agent B. Adopt the tax-preparer remedy too: when a signing request arrives on a file you're originating, the consumer goes to LO Support, and you take neither role yourself.

Position Titles Policy (p. 40): "Mortgage Broker" is prohibited without a broker license and "Owner" is prohibited — because you don't own NEXA. Riley says "mortgage loan officer," which is correct. Calling yourself owner of Meridian Signing is fine; that prohibition is about implying ownership of NEXA.

Send this at step 4 — after the FBN is filed, before the GBP goes public

Not before. Disclosing a business that doesn't exist yet invites questions with no answers and starts a conversation you can't finish. Once the DBA is filed, this one email closes the §VI.B duty and builds the paper trail.

To: compliance@nexamortgage.com Cc: [your Production Development Manager] Subject: Affiliate Disclosure - Meridian Signing (Jermaine Fields, NMLS #2067609) Hello, Per Section VI.B of my Independent Contractor Agreement, I'm disclosing an Affiliate. I have been commissioned as a California Notary Public (Commission #2563256), filed my oath and bond with the LA County Clerk, and filed a fictitious business name for a notary and loan signing practice operating as Meridian Signing. I own and control it, so it meets the Section I.A definition of an Affiliate. It does no mortgage origination and works with no lender or loan origination company, so Section V exclusivity is not implicated. Three things I want on record and two questions: 1. I will not notarize any loan I originate. California Government Code Section 8224 prohibits it, and Sections VI.E and VI.F of my agreement independently bar me from receiving any compensation on loans I originate. Following the structure of the Tax Preparer as a Loan Officer Policy, I will refer any such consumer to LO Support. 2. Per Section VI.H, I will not direct, steer, or refer Meridian Signing to any borrower obtaining a mortgage through NEXA without NEXA's advance written permission. Is there a process for requesting that permission, or should I treat it as a standing prohibition? 3. Meridian Signing will operate on a separate phone number, separate Google Business Profile, and separate marketing. No NEXA branding appears on any of it, and no Meridian branding appears on my mortgage marketing. Separately, I'm putting an AI answering service on my mortgage line to capture calls I miss while I'm out. It is strictly inbound. It never quotes rates, terms, or fees, never states or implies approval, and never gives advice. It takes a message and I return every call personally. It will never be used for outbound dialing of any kind, consistent with the Do Not Call Policy. Happy to send the greeting and script for review. Thank you, Jermaine Fields NMLS #2067609 | CA + MO

Do not publish either number until you have a written reply. The disclosure is required regardless of the answers; the two questions determine whether the Meridian GBP needs anything changed before it goes live.

Hard rule — this agent is inbound only

Never enable outbound calling on either line. NEXA's Do Not Call Policy (p. 41–42) specifically prohibits "calls using artificial or prerecorded voice recordings to customers without prior express written consent." An AI voice agent dialing out is exactly that. The Circumvention of Company Policies clause makes violations grounds for immediate suspension or termination.

Do not use Retell's Batch Call feature. Ever.
No callback campaigns, no lead-list dialing, no ringless voicemail.
No auto-dialer against your prior book of business.
Jermaine returns every call personally. That's already what Riley promises on both lines — keep it that way.

Inbound is a different animal: the consumer initiated the contact, so the TCPA solicitation framework doesn't attach. The entire value of this build is answering calls you'd otherwise miss. It stops being safe the moment it dials.

Upgrade path

Spend cap hit OR >50 calls/mo → the calls are paying for themselves; raise the cap, don't switch platforms
Callback loop breaking → Retell's appointment booking writes straight to calendar; skip until you're actually missing signings
Spam-flagged caller ID → Verified Phone Number, one-time $10 + $10/mo per number. Only if it happens.
Not on the path: Branded Call ID and Batch Call. Both are outbound features, and outbound is off the table — see the inbound-only rule above.

Jermaine Fields · NMLS #2067609 · CA Notary Commission #2563256 · internal systems doc · pairs with CRM + Lead Gen + Phone Stack and Meridian Signing Launch · pricing verified from vendor pages Aug 7, 2026 · CA notary fee cap per Gov Code §8211 · Agent A never quotes rates or makes credit decisions; Agent B never advises on documents — both take messages.