A Mortgage Fronter Script 05-01-2022

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. I'm sure you've heard, but with inflation rising, fixed mortgage rates are starting to go up.

THE GOOD NEWS IS that we continue to beat everyone out there with the LOWEST RATES for refinance AND cash out! Have you been able to refinance in the last 6 months?


The address at there in . You're still the owner, correct?

Were you able to refinance in the last 6 months?
Edit/Update if needed. Estimate is OK.
Is that on a 30 year fixed? *
[Score under 640] Is that because you have more than $10,000 in credit card debt?
Are you or your spouse over 62 years of age?
Are you interested in looking into Reverse Mortgage as an option?


TOO SOON TO REFI AGAIN.

**END CALL** - DISPO AS FREFI


They have a GOOD RATE.

DO NOT PROCEED - **END CALL**

We're usually able to save homeowners an ADDITIONAL $300- $600 PER MONTH by combining credit cards, student loans and car loans. I can have my licensed Loan Officer analyze that option for you and email you something to look at.

+ $=
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%

Because of your credit score, we can help you with some of these debts so you can get them paid off and reduce your monthly payment right away.

Are you currently employed with an income of at least $2000 per month?
Are you currently enrolled in any Debt Settlement or Debt Forgiveness program?


REVERSE MORTGAGE CANDIDATE

OK well rates are AMAZING right now and I can get you a quick quote just to see if it makes sense and how much money you can save, OK?

City
State
Zip Code

Is 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?

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%


LTV TOO HIGH - DO NOT PROCEED - **END CALL**

Lead Type Selection

Choose where this lead should go

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 needs to do any followup calls, 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**


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Rebuttals