Straight answer
A borrower explicitly requests refinance analysis and a licensed owner approves a complete current illustrative comparison.
Best fit
Borrowers who explicitly requested a complete refinance analysis.
Conditional fit
Send after assumptions, terms, disclosures, and comparison methodology are reviewed.
Main tradeoff
Mass equity or rate solicitations without borrower request.
Industry Context And Next Action
Subject
Review a refinance scenario—not a loan offerHello {{borrower_first_name}},
You asked {{brokerage_name}} to review whether refinancing might fit {{stated_goal}}. A current illustrative comparison is available at {{secure_comparison_link}} using assumptions dated {{assumption_date}}.
The comparison includes the existing-loan inputs you supplied, proposed rate and APR where applicable, points/credits, lender/broker and estimated third-party costs, term, payment components, cash to close, balance change, and the stated break-even method. It also shows {{material_tradeoff}}.
This is not a Loan Estimate, rate lock, approval, commitment, tax advice, or guarantee of savings. A lower rate or payment does not by itself establish lower total cost, and terms may change after verification and application.
Book {{loan_officer_name}} at {{meeting_link}} to verify assumptions and compare alternatives, or reply “close refinance review.” Do not email statements or financial records; use {{secure_upload_link}} if requested.
{{loan_officer_name}}
{{brokerage_name}}
{{nmls_information}}
Best For
- Borrowers who explicitly requested a complete refinance analysis.
- Licensed teams with versioned total-cost comparisons.
Not Best For
- Mass equity or rate solicitations without borrower request.
- Hardship or foreclosure situations requiring servicing or housing-counseling pathways.
Variable Tokens
When To Send This Email
Trigger
A borrower explicitly requests refinance analysis and a licensed owner approves a complete current illustrative comparison.
Timing
Send after assumptions, terms, disclosures, and comparison methodology are reviewed.
Frequency
Send once per comparison version; new market or borrower facts require a new version.
Timing note
Credit decisions, adverse action, fair lending, fraud, hardship, servicing, and legal issues must leave marketing automation for the governed process.
Why This Email Works
Personalization Notes
- Use the borrower's stated goal and verified current-loan inputs.
- Show total costs, term effects, and break-even method—not only payment.
- Timestamp all market and borrower assumptions.
Platform Setup Steps
Trigger
A borrower explicitly requests refinance analysis and a licensed owner approves a complete current illustrative comparison.
Segment
Borrowers who explicitly requested refinance review and have a current complete scenario, excluding adverse action, disputes, hardship servicing matters, opt-outs, and stale data.
Delay
Send after assumptions, terms, disclosures, and comparison methodology are reviewed.
Reply owner: Licensed originator responsible for scenario accuracy, advertising disclosures, borrower assumptions, and fair-lending treatment.
- Verify borrower request, existing-loan inputs, new scenario terms, total costs, term, break-even method, and disclosures.
- Insert secure comparison, date, material tradeoff, and no-offer/no-savings boundaries.
- Send once and route application, tax, servicing, hardship, and comparison questions appropriately.
Stop conditions
- Stop on reply, close review, application, lock, withdrawal, opt-out, stale assumptions, or staff contact.
- Stop if rates, APR, points, fees, loan balance, goals, or property facts change.
- Stop automation on hardship, foreclosure, servicing disputes, adverse action, complaints, or legal/tax questions.
Before You Send
Note: there are laws and regulations around this. Please make sure you follow any applicable rules before sending.
Subject Line Variations
- Review a refinance scenario—not a loan offer
Status-precise control without teaser rate or approval language.
- Compare the full refinance economics
Alternative emphasizing the secure decision task.
- Current assumptions for your refinance question
Alternative for an established borrower conversation.
Mistakes To Avoid
- Selling only the monthly-payment drop
A longer term or added costs may increase total expense.
Use instead: Compare full economics and time horizon.
- Calling an illustration an offer
Verification, application, and official disclosures remain.
Use instead: Label the scenario and its assumptions precisely.
Sequence Placement
Use once after approval of a complete comparison version. A borrower discussion may enter application; close ends review; changed assumptions require a new version.
Related Email Platform Guidance
agencies standardizing lead-response systems across multiple accounts
Not best for: teams expecting a native field-service or legal practice-management system
View GoHighLevelPaid link
Disclosure
Some platform links on this page are paid links. If you choose a platform through one of them, EmailCampaigns.io may earn a commission. That does not change our recommendations. We include best for and not best for notes so you can decide based on fit, not payout.