Hi, (()). [DO NOT ASK "HOW ARE YOU?"] -- [CONFIRM ITS THE RIGHT PERSON AND CONTINUE]
(()), my name is , on a recorded line, with American Mortgage Advisors. We spoke with you about 6 months ago regarding your home loan situation and was wondering if you've been able to refinance into a new low mortgage rate in the 2% range within the last 6 months?
[refinanced in the last 6 months?]
Is your rate under 3.5%? [WAIT] What rate do you have?
OK well rates are easily under 3% right now and I can get you a quick quote just to see if it makes sense and how much money you can save. Are you still at in ?
AND this is a single family home and not a mobile or manufactured home, correct?
MUST answer YES or you need to end the call.
Since the mortgage have you had a Short Sale, Foreclosure or Bankruptcy?
In the last 12 months have you had a 30 day late on ANY mortgage?
[CLARIFY THE YES] Were you actually over 30 days late past your due date or did you just incur a late fee?
And are you, your spouse or anyone else on the home title a US Veteran?
Credit Failure - DO NOT PROCEED - **END CALL**
You already have a REALLY GOOD interest rate.
Potential Benefit Failure - Check rate and cash-out - NO BENEFIT? - **Make corrections to RATE or CASHOUT or LOAN AMOUNT or **END CALL**
LTV TOO HIGH - DO NOT PROCEED - **END CALL**
Additional Contact Info
You do have 3-4 minutes to discuss your benefit analysis with my loan officer, correct?
(Must be read word for word) OK great! What I need to do now is bring on my loan officer. When I submit your information, if the loan officer is on the phone they may call you in the next 24-48 hours and their call would override any state or federal no contact registries you may be on just so the lender can get a hold of you and get you the information. Is this Ok? Great! (PRESS SUBMIT and Follow hand-off script)