Mortgage Cold Calling Script

Hi, is this {{prospect_name}}?

Great! This is {{your_name}} with {{your_company}}. I'm reaching out to homeowners in {{area}} because mortgage rates have been doing some interesting things lately.

Do you have just a minute? I'm not trying to sell you anything—I just want to make sure you're not overpaying on your current mortgage.

Perfect. So here's why I'm calling—I've been helping homeowners in your area review their current rates and a lot of them are discovering they could save {{savings_range}} per month just by refinancing.

Quick question: Do you know roughly what interest rate you're paying right now?

[LISTEN - Write down their rate]

[If they have a high rate:] Okay, so you're at {{their_rate}}. Based on what I'm seeing today, you might be able to get down to around {{current_rate}}. On a typical loan in your area, that could mean {{monthly_savings}} or more in monthly savings. Would it be worth 15 minutes to see if we can put that money back in your pocket?

[If they don't know their rate:] No worries—a lot of people don't remember off the top of their head. What I'd like to do is run a quick analysis on your property. It takes about 5 minutes of your time, and I can show you exactly what you're paying versus what you could be paying. Would you be open to that?

[If refinancing:] Beyond the rate savings, I also work with people who want to consolidate debt, pull out equity for home improvements, or shorten their loan term. Is any of that something you've thought about?

[If home purchase:] Actually, I also work with buyers. Are you or anyone in your family thinking about buying a home in the next 6-12 months?

Hi {{prospect_name}}, this is {{your_name}} with {{your_company}}.

I'm calling because mortgage rates are at interesting levels right now, and I'm helping homeowners in {{area}} see if they're overpaying.

I've got a quick 5-minute rate check that could save you {{savings_range}} per month.

Call me back at {{your_phone}}. Again, {{your_phone}}. Thanks!