Refi Script

Client Conversation Refi Rate Quote and Loan App

Quick Complete Application
Purchase Script
How Much do you owe on the Home?
What's your Home Worth?*
If they don't know, get address and Zillow it
New Loan Amount
Loan to Value
And it is a house?...Correct?*
What is your FICO score?*
Get this info into LoanSifter.com
Any Bankruptcies?
When was that discharged?
Has the Mortgage been payed on time for the last 12 months?
How many times was it Late? What happened?
Check Pricing on Loan Sifter FHA and Convention Loans
Looking to do Cashout?
How much cash out do you want?
New Mortgage FHA?

NEW new Loan Amount😂
Do You want Impounds Accounts for Tax and Insurance
What is your current Interest Rate?
figure out how to save them money
And that is 30 Year Fixed Rate?
Remember FHA/VA rates are much less.
Is that FHA or VA or Conventional Rate?
By Any Chance are you a Veteran?
PRICE OUT AS VA LOAN
When did you last check your FICO Score?
This is your Primary Residence, correct?
We shop 48 different lenders to find you the best deal. We use a patented system called Loan Sifter. I am pricing it out right now. (PRICE OUT on LOAN SIFTER and email client the exact search)
Get Refi Fees

It looks like we could get you.
Interest Rate
Looks like your New Payment would be.
What is your current Payment?
Do you have Impounds?
How much are those Impounds?
If they don't know calculate it.
What did you originally Pay for the Home?
1% is tax impound per month
New Tax Impound
New Insurance Impound
Total Impound
The New Payment with Impounds would be:
The New Payment without Impounds would be:
Looks like we could save you:
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

You have a second or Equity line on the Home?
Do you want to pay it off?
How much is the Loan Amount?
How much is the Payment?
What is the Interest Rate?
Is it Interest Only?
It is Home Equity Line, correct?
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

Let's Look at Debt Consolidation

Enhanced Benefit
Do you have any Car Payments?
How much is your Car Payment?
How much do you owe on Car Loans?
Do you want to pay it off?

Yes
Cash Out After Payoff
How much is your 2nd Car Payment?
How much do you owe on your 2nd Car Loans?
Do you want to pay it off?

Yes
Cash Out After Payoff
Do you owe anything on Credit Cards?
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

Can you break that down for me? How much do owe on each card?
How much do you owe in Credit Cards?
How many Credit Cards do you have?
How much do you owe on the 1st Card?
What Type of Card is it?
And the minimum Payment?
Do you want to pay it off?

Yes
Cash in Hand
How much do you owe on the 2nd Card?
What type of Card is it?
And the Minimum Payment?
Do you want to pay it off?

Yes
Cash in Hand
How much do you owe on the 3rd Card?
What type of Card is it?
And the minimum payment?
Do you want to pay it off?

Yes
Cash in Hand
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

How much do you owe on the 4th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to pay it off?

Yes
How much do you owe on the 5th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to pay it off?

Yes
How much do you owe on the 6th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to pay it off?

Yes
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

How much do you owe on the 7th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to pay it off?

Yes
How much do you owe on your 8th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to pay it off?

Yes
How much do you owe on your 9th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to Pay it off?

Yes
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

How much do you owe on your 10th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to Pay it off?

Yes
How much do you owe on your 11th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to Pay it off?

Yes
How much do you owe on your 12th Card?
What type of Card is it?
And the Minimum Payment?
Do you want to Pay it off?

Yes
If we pay off some thing it looks like we could save ____ per month.
Debt Consolidation Ex
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

(Our Professional Recommendation)
How long do you plan to live there?
When you move out do you plan to sell it or rent it?
Do you want a 30 Year fixed or do you want to pay it off more quickly?
Do you have any kids?
How old are they?
Any plans for college?
Do you have a 529 Plan or funds set aside for college?
Based on what you told me, I would recommend.
Is there anything else you have a question about?
Get Refi Fees
Next Step is we just need to run your credit and I'll email you a copy of the report.

Run Credit

Next step we just need to make sure you qualify and run your credit, and I will email you a copy of your report for your review,
First Name*
Last Name*
Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
How long have you lived there?
Past Address
Phone Number
What is your email?
Birthdate
What's your social...?
Are you the only one on the loan?
What is her (His) Name?
What is her date of birth?
What is her or his social
(If don't know) Can you text her (Him)?
Get Refi Fees

Employment Info
What do you do for a living?
Profession Type
Are you self-employed or W2'ed?
How long have you been doing that?
What company do you work for?
Current Employer
Have you been there 2 years?
What is your gross monthly income?
What company does your wife (husband) work for?
What is her (him) Monthly income?
How Long has she (he) been at that company?
How Long has she (he) been in that line of work?
Get Refi Fees

Let's talk about assets.
Who do you bank with?
Banking Company
How much do you have in average in Checking?
Do you have any saving accounts?
How much is there?
Any 401k or IRA?
Any Brokerage Account?
Any 529 Plans?
Do you own any other properties?
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Value
Loan Amount
Payment
Interest Rate
Does that Include Impounds?
How much are those impounds?
What did you Originally Pay off that Property?
Do you own any other property?
Get Refi Fees

Value
Loan Amount
Payment
Interest Rate
Does that include impounds?
How much are those impounds?
How much does it rent for?
Get Refi Fees

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