Refinance 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 rates have been moving, and I wanted to make sure you're not overpaying on your mortgage.

Do you have just 60 seconds? I promise I'm not trying to sell you anything—I just want to see if a refinance makes sense for you.

Perfect. So let me ask—do you know roughly what interest rate you're paying right now?

[LISTEN - Write down their rate]

[If high rate:] Okay, so you're at {{their_rate}}. Depending on a few factors, you might be able to get down to around {{current_rate}}. On your loan, that could mean {{monthly_savings}} or more in monthly savings. Would it be worth 15 minutes to see the exact numbers?

[If they don't know:] No problem—most people don't remember. What I can do is pull up your property and run a quick analysis. I'll show you what you're paying now versus what you could be paying. Takes about 5 minutes. Would that be helpful?

[If good rate:] That's a solid rate. When did you get that? [Listen] Let me ask—have you thought about tapping into your equity? A lot of homeowners are using cash-out refinances to consolidate debt, do home improvements, or invest. Would any of that be useful?

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

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

A quick refinance analysis could save you {{savings_range}} per month.

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