Mortgage Reverse – Sakura BPO

Hi, (()). [DO NOT ASK “HOW ARE YOU?”] — [CONFIRM ITS THE RIGHT PERSON AND CONTINUE]

Hi (()), my name is , on a recorded line, with First American Home Loans. We’re one of the nation’s largest home lenders to seniors. The reason for my call is we recently mailed you a notice to let you know that you’re eligible for a government insured mortgage program that, because youre a senior, will help reduce or even eliminate your monthly mortgage payments.

Did you happen to see the notice in your mailbox?

Radio Buttons

Yes

Okay, you should see it soon then – the notice is about the size of a small postcard. I called because your preapproval is part of a Government-Insured program but this Pre-Approval is only available for a limited amount of time.

All the details, including our phone number, are on the notice. So just watch for it in your mailbox.

Okay?

Great! So I don’t need any information from you right now becuase you’re already pre-approved for on this government insured program. Don’t worry, we just want to take 5 minutes out of your time … just to let you know how these options work, there’s no obligation to sign up for anything, just if you do like what you hear, you can definitely speak further with the specialist. But again, like I said before there’s no obligation, ok?

Additional Qualifiers

Additional Contact Info

Rebuttals

Not Interested
This isn’t a traditional REFINANCE like a lot of people think. The specialist has other options for you and; As I mentioned, I am calling for a Federally Licensed 3rd party, so, we already have your information up here on the screen so this actually won’t take much time at all. Maybe 5 minutes and the licensed agent will send you all the information by email to review. I just need to quickly transfer you.

Already Refi
Great! What kind of rate did you end up getting?

[Update RATE, above]

That’s a great rate BUT fixed rates are still dropping and under 3% and you may be able to save more. If you’d like, I can press a button here on my screen and IF we have a lower rate, I can get you on the phone with the refi specialist. Would that be ok?

[Don’t want to pay fees and hassle again]
We actually have NO FEE options for exactly this reason.

No Time
We already have your information up here on the screen so this actually won’t take much time at all. Maybe 5 minutes and the licensed agent will send you all the information by email to review. I just need to quickly transfer you.

Don’t know FICO
[If POSITIVE answers to other questions, assume FICO is good]

Not Interested
I completely understand. Actually that’s typically the first reaction from most people. May I ask why you aren’t interested?

WHO WE ARE
As I mentioned, we are calling on behalf of Federally Licensed third-parties. We use a sophisticated screening process to identify borrowers who may actually benefit from reducing their mortgage expenses.

May I place you on a brief hold while I connect you?

IS THIS A REFINANCE?
Because I’m just an operator I don’t have a specific answer to that. From what I’m told, the licensed agent may discus options that include a lower streamlined rate reduction, but only if it saves you money.

I WANT TO TALK TO MY LENDER
That’s a good idea. You should bring this information over to your lender to compare. It only takes about 5 minutes to complete this process. Our first priority is to save you the most money.

Hand-off Script

You do have 3-4 minutes to discuss the free 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)