A Mortgage Fronter Script 12-21-2020

Hi, (()). -- [CONFIRM ITS THE RIGHT PERSON AND CONTINUE]

(()), this is , on a recorded line, with Best Rate Advisors. How are you doing today?

Great... good to hear. We continue to offer Mortgage refi rates UNDER 3% for a 30 year fixed, but with inflation rising, they're starting to go up.

2.86% was last week's Freddie Mac Avgerage 30 year Fixed and 2.16% was their published 15 year Fixed rate. (can be found at freddiemac.com) THE GOOD NEWS IS that we continue to beat the market! Have you been able to refinance in the last 6 months?


[refinanced in the last 6 months?]
estimate is OK
Is that on a 30 year fixed? *


TOO SOON TO REFI AGAIN.

ASK THE FINAL QUESTIONS - **END CALL**


They have a GOOD RATE.

DO NOT PROCEED - **END CALL**

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 ?

City
State
Zip Code

Is this your Primary Residence or an Investment Property?
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?

Hand-off Script

I have everything I need here. I just need to bring on my Licensed Loan Officer to quote your rate and payment savings.

(Must be read word for word) 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 they can get a hold of you and get you the information. Is this Ok? Great! (PRESS SUBMIT and Follow hand-off script)


Base Loan Amount Balance too low for Borrower State of .

DO NOT PROCEED - **END CALL**


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

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