Hi , this is . Bear with me here. I'm going to pull up your house and then we'll see what we can do to save you some money on your mortgage.
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?
Credit Failure - DO NOT PROCEED - **END CALL**
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**
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)