BEST CORE7 SCRIPTS FOR THE MORTGAGE ORIGINATOR

BEST PRIMARY REFERRAL SCRIPTS FOR THE MORTGAGE ORIGINATOR

 Mortgage Originator to Fin. Adv. (FOR CLIENTS WHO CLOSED 1-3 MONTHS AGO)

Hi (Borrower), 
It has been a while since we have last spoke, I hope you are doing well. 
My goal is to always be a valuable resource for you. I was reviewing your Mortgage Planning Questionnaire and I noticed you don't have a Financial Advisor. I think it is so important to have one, and it's critical to your financial well being. 
I'd like to make the introduction to the advisor on my team, I think it would make a lot of sense. Would you mind if I made the introduction? 
Again, there is no obligation, but I feel it would be time well spent. 
Thank you,

Mortgage Originator-The Cash Flow Cross Sell to the Financial Advisor

Hi (Borrower), 
It was great speaking with you! 
At this point in the process I always recommend that all my clients touch base with the Financial Advisor on my team who will do a full, no obligation cash-flow analysis. I think it would make a lot of sense. Would you mind if I made the introduction? 
Again, there is no obligation, but I feel it would be time well spent.

Mortgage Originator Closing Cross Sell To Financial Advisor On A Purchase

Hi {Client's name), 
Congratulations on the closing of your home. It is probably your largest investment to date. The purchase of a home can trigger many other financial ramifications. I would like to make the introduction to the Advisor on my team, he will be a valuable resource for you on this. 
Would that be okay? I feel it would be time well spent.

Mortgage Originator Cross Sell To P&C Agent on a PURCHASE loan

(Borrower), 
At this point in the loan process you should be shopping for Home Owner's Insurance.***** 
If you need a referral, please consider contacting our valued insurance partner, (INSURANCE AGENT NAME at): 
 
We've worked with (AGENT NAME) for many years now, and he does a fantastic job for all of our clients. (AGENT NAME) has been cc'd on this email, and will be in touch shortly by email to see if he can be of service to you. 
Please let us know if you have any questions or require additional information regarding insurance issues. 
Best Regards, 
** If you're purchasing a condominium, the master condominium policy- which we will obtain- may require you to have a personal condominium insurance policy in place at closing. We will let you know if it is required once the policy is reviewed. ***  
 If you are refinancing a single family home, it's likely that you already have a home owner's insurance policy in place, but when was the last time you had your coverage checked? And, when was the last time you compared the premiums you pay to the current market?  (AGENT NAME) will be happy to look over your current policy to make sure it's appropriate for your property, and to see if there are any cost-saving opportunities you may be missing. 
 

Mortgage Originator Cross Sell To P&C Agent on a REFINANCE loan

(Borrower), 
While you are going through the refinance process, it is a good time to review your  Home Owner's Insurance for potential opportunities to save money. **  
If you need a referral, please consider contacting our valued insurance partner, (AGENT NAME  at: 
AGENT NAME)   
 
It's likely that you already have a home owner's insurance policy in place, but when was the last time you had your coverage checked? And, when was the last time you compared the premiums you pay to the current market? (AGENT NAME) will be happy to look over your current policy to make sure it's appropriate for your property, and to see if there are any cost-saving opportunities you may be missing. 
We've worked with (AGENT NAME) for many years now, and he does a fantastic job for all of our clients. (AGENT NAME) has been cc'd on this email, and will be in touch shortly by email to see if he can be of service to you. 
Please let us know if you have any questions or require additional information regarding insurance issues. 
Best Regards, 
** If you're refinancing a condominium, the master condominium policy- which we will obtain- may require you to have a personal condominium insurance policy in place at closing. We will let you know if it is required once the policy is reviewed. 

Mortgage Originator-Outgoing Email Blast for Refinancing

Hi (NAME), 
The market has been in our favor for rates and we are in a good position to save you some money with a lower interest rate….and I will pay all of your closing costs! 
 
All you would need to do is set up a new escrow account for taxes and insurance.  That is about 3-4 months of tax and insurance cost that you would pay at the closing.  A few weeks after we close, you would be reimbursed your current escrow account…so that money is a wash.  Also, we have to pay off your loan.  That is basically the interest due on you upcoming mortgage payment.  You wouldn’t have a new payment the first of the month after we close as your first payment due would be the month there after.  So that is a wash too since the money is basically coming from your budgeted payment.   
 
I like to call this free money. 

Mortgage Protection Cross Sell Of Financial Advisor At Closing

Hi (Client's name), 
Congratulations! There is one more thing we should discuss that I think is extremely important. Now that you've closed, your loan information becomes public record, so you are going to get bombarded with Mortgage Protection Insurance solicitations. 
We feel that it is very important that you speak with a reliable, reputable advisor on this. I'd like to make the introduction to someone that we know and trust. They will be a valuable resource to you, and it will be time well spent. Would that be okay?

Mortgage Review Request E-Mail

Dear (NAME), 
How are you? I hope you are doing well. 
I always want to make sure I stay on top of your financial situation, and with the changes going on in the world, there may be an opportunity to save money. 
I would like to set up a five minute phone conversation with you ( I promise it will not be longer than 5 minutes unless you want more information). When would be a good time to speak? 
Sincerely,